Medical Services means the costs for medically necessary treatment by a physician, nurse, dentist, hospital room and board, outpatient surgery, use of an ambulance, dental work to sound natural teeth, drugs, medicines, diagnostic tests and x-rays, oxygen, casts, splints, crutches, blood plasma, treatment performed by a licensed medical professional and rental of durable medical equipment. Benefits are excess of other coverage.

If a covered family member’s injury results in a loss, as defined in your certificate of coverage, within one year after the accident causing the loss, we will pay benefits as described in your certificate of coverage for loss of life. Benefits for loss of limb and sight are shown in the schedule of benefits.

TelaDoc™ is available when your physician is not. TelaDoc™ consulting physicians treat illnesses that arise quickly and tend to run a brief course, typically 5 to 10 days. Physicians are on call 24 hours a day, 7 days a week, 365 days a year.