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<br />The physician providing the second opinion must be a board certified internist <br />or be certified in the particular field of surgery. Also the physician <br />providing the opinion may not have a business relationship with the primary <br />physician. <br /> <br />Transplant Benefit: Charges are covered in connection with only the following <br />TRANSPLANTS or replacements of tissue or organs to the extent they are not <br />experimental. <br /> <br />. <br />. <br />. <br />. <br />. <br />. <br />. <br />. <br />. <br />. <br />It <br />. <br /> <br />Cornea transplants <br />Artery or vein transplants <br />Kidney transplants <br />Bone marrow transplants <br />Heart transplants <br />Heart and lung transplants <br />Liver transplants <br />Heart valve replacements <br />Implantable prostehetic lenses in connection with <br />Prosthetic by-pass or replacement vessels <br />Bone transplants <br />Skin transplants <br /> <br />cataracts <br /> <br />Charges in connection with heart transplants, heart and lung transplants, and <br />liver transplants are subject to a maximum benefit of the lesser of: <br /> <br />a. <br />b. <br /> <br />$100,000.00; or <br />the Lifetime Maximum Benefit under this Group Policy. <br /> <br />Benefits are payable whether natural or artificial replacement materials or <br />devices are used. <br /> <br />If both the donor and the recipient are covered under this Group Plan, the <br />donor's and recipient's charges are covered. The total of the donor's and <br />recipient's charges will not be more than any maximums under this Group Plan <br />applicable to the recipient. <br /> <br />If the donor is not covered under this Group Plan and the recipient is covered <br />under this Group Plan, the donor's charges will be covered only to the extent <br />that the donor's charges are not covered under any other insurance. The total <br />of the donor's and recipient's charges will not be more than any maximums <br />under this Group Plan applicable to the recipient. <br /> <br />If the donor is covered under this Group Policy and the recipient is not, the <br />donor's charges and the recipient's charges are not covered. <br /> <br />6 <br />