Before-tax contributions are contributions that are taken from your pay before federal (and, in most cases, state and local) taxes are withheld. Before-tax dollars are also generally taken from your pay before Social Security taxes are withheld. This lowers your taxable income and your income tax liability. Your Medical, Dental, Vision and Spending Accounts Plans' payroll contributions are generally taken on a before-tax basis.

The claims administrator is the company that provides certain claims administration services for the Plan.

The Consolidated Omnibus Budget Reconciliation Act of 1985 (COBRA) is a federal law that allows you and/or your covered dependents to continue certain health plan coverage on an after-tax basis (under certain circumstances) when coverage would otherwise have ended. The Health Care Participation section provides details on COBRA coverage.

Coordination of benefits rules that determine how benefits are paid when a patient is covered by more than one group plan.

If you are enrolled in the Vision Plan, EyeMed does not coordinate benefits and always acts as the primary coverage for you and your covered dependents.

A copayment (also known as a copay) is the fixed dollar amount you pay toward certain services under the Plan when you receive your care from a network provider.

Covered services are services and procedures that are generally reimbursable by the Plan. While the Plan provides coverage for numerous services and supplies, there are limitations on what's covered. While a service or supply may be necessary, it may not be covered under the Plan. Please see the sections that explain what the Plan covers and what is not covered for more details.

Under the Plan, your eligible dependents can include your spouse or domestic partner and your children. Please see "Your Eligible Dependents" in the Health Care Participation section for more information.

"In-network" and "out-of-network" are terms referring to whether a provider is part of the network associated with the Plan (network provider) or is not part of the network (non-network provider). When a service is performed through a network provider, benefits are paid at a higher level than they are when a service is performed through a non-network provider.