McKesson 2005 Annual Report Download - page 187

G. MEDICAL, DENTAL, VISION AND DRUG BENEFITS
The benefits provided under the Plan shall be insured under a group insurance contract or contracts that shall be issued in a form approved
by the Company by one or more Insurance Companies selected by the Company. The terms of this Plan together with the Certificate of
Coverage and Summary of Coverage issued by the Insurance Company are hereby incorporated by reference and shall be an integral part of the
Plan. The Certificate of Coverage and Summary of Coverage describe the terms of coverage, under the group insurance contract or contracts
including, but not limited to, the covered services and supplies, exclusions, limitations on benefits, coordination of benefits, right of
reimbursement and/or subrogation, any applicable copayments or coinsurance, deductibles, out-of-pocket maximums, lifetime maximum
benefits, provider networks, continuation of coverage and conversion privileges, if any, and claims and appeal procedures.
Covered Expenses. The Plan pays benefits for medically necessary medical (including over the counter drugs and medicines), dental and
vision expenses that would be considered “medical care” as defined under Internal Revenue Code section 213(d).
The Lifetime Maximum Benefit per covered person under the Plan is $2,000,000. If, as of the end of a calendar year during which a
Participant has been covered by this Plan the Participant has used some but not all of his Lifetime Maximum Benefit, then at the beginning of
the following calendar year any previously used portion of a Participant’s Lifetime Maximum Benefit will be automatically reinstated for
future charges to the extent of the lesser of (1) $10,000 or (2) the amount needed to reinstate his entire Lifetime Maximum Benefit. No portion
of the Participant’s Lifetime Maximum Benefit will be reinstated under this paragraph in the following calendar year if, as of the end of a
calendar year, the Participant has used his entire Lifetime Maximum Benefit.
The Insurance Company is independent of the Company, and the Company does not guarantee nor shall it be responsible for the financial
soundness of the Insurance Company or the quality of care provided by the Insurance Company. The Company cannot assist Executives or
their Dependents in recovering from the Insurance Company any benefits due to the Executive or Dependent or protect the Executive or
Dependent from any liability due to the Insurance Company’s failure to fulfill its obligations. Although the terms of coverage under the group
insurance contract or contracts may differ from the terms of the Plan and may state different age requirements for dependents, an individual
must be eligible to participate under the terms of this Plan in order to obtain benefits under the insurance contract or contracts.
H. GENERAL PLAN EXCLUSIONS
Coverage under the Plan is not provided for any of the following charges:
1. Those for care, treatment, services, or supplies that are not prescribed, recommended, or approved by the person’s attending physician or
dentist.
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