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Definition of Terms

    Complications of Pregnancy
    Conditions that require hospital stays before the pregnancy ends and whose diagnoses are distinct from but are caused or affected by pregnancy.

    These conditions are:

    • acute nephritis or nephrosis; or
    • cardiac decompensation or missed abortion; or
    • similar conditions as severe as these

    Not included are:

    • false labor, occasional spotting, or physician prescribed rest during the period of pregnancy;
    • morning sickness;
    • hyperemesis gravidarum and preeclampsia; and
    • similar conditions not medically distinct from a difficult pregnancy

    Complications of pregnancy also include:

    • nonelective cesarean section; and
    • termination of an ectopic pregnancy; and
    • spontaneous termination when a live birth is not possible
      (This does not include voluntary abortion.)

    Copay
    The amount that must be paid by the covered person at the time services are rendered by a preferred provider (copay amounts are the responsibility of the covered person.)

    Coinsurance
    The percentage of covered medical expenses payable by Consolidated Health Plans under this Accident and Sickness plan.

    Covered Dependent
    A covered student's dependent who is insured under this Program

    Covered Medical Expense
    Those charges for any treatment, service, or supplies covered by this Program that are:

    • not in excess of the reasonable charges; or
    • not in excess of the charges that would have been made in the absence of this coverage; and
    • incurred while the Program is in force as to the covered person except with respect to any expenses payable under the Extension of Benefit Provisions

    Covered Person
    A covered student and any covered dependent while coverage under the Program is in effect

    Covered Student
    A student of New York University who is insured under this Program