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(inpatient and  outpatient),  transplant procedures, follow-up care for

        transplant-related  services  as determined  by  the  Center  and  any  other

        services as identified as part of an  all-inclusive global rate.   A travel
        allowance for transportation and lodging will be included as part of the

        Centers of Excellence Program.  The Joint Committee on Health Benefits
        will work with  the State  and Empire Plan carriers  to provide ongoing

        oversight of this benefit.
           (f) Anesthesiology, pathology and radiology  services  received at  a

        network hospital will be paid-in-full less any appropriate copayment even
        if the provider is not participating in the Empire Plan participating provider

        network under the medical component.
           2. Non-Network Coverage

           (a) The Hospital component  (inpatient and outpatient  services) of the
        Empire Plan will be as follows:

            •  Covered inpatient services received at a non-network hospital will be
            reimbursed at 90% of charges.  Covered expenses for hospital services

            will  be included in the  combined coinsurance maximum set forth  in

            section 9.5(b) of the Agreement.
            •  Covered outpatient services received at a non-network hospital will be

            reimbursed at 90% of charges or a $75 copayment, whichever is greater.
            The  non-network outpatient  coinsurance will be  applied toward  the

            annual coinsurance maximum.
            •  Services received at a non-network hospital will be reimbursed at the

            network level of benefits under the following situations;
                   1. Emergency outpatient/inpatient treatment;

                   2. Inpatient/outpatient  treatment only offered by a non-network
                      hospital;

                   3. Inpatient/outpatient treatment in geographic areas where access to

                      a network hospital exceeds 30 miles;
                   4. Care received outside of the United States; and
                   5. When another insurer, including Medicare is providing primary

                      coverage.

            •  Once the annual coinsurance maximum has been met, coverage for
            inpatient services are paid in full and coverage for outpatient services

            shall be subject  to the  same copayments as those in effect under the
            network level of benefits.


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