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Optional benefits may be available for additional premium. There is no coverage until we inform you in writing that your application has been processed and approved. We shall exclusively determine the premium actually required, and the effective date of any coverage issued.
Non-network providers can bill a patient for any remaining amount up to the billed charge","F96":"In CT and IL, 6-month waiting period applies. You will need to pay in full at the time of service. You may then submit the details to the plan administrator for reimbursement of covered benefits.