103 Average Semi - Private Room Rate means the rate a Hospital normally charges for semi - private room accommodations for the condition being treated, as identified by the Hospital. However, if a Hospital’s contract provides a negotiated rate that is based on a per diem or case rate rather than billed charges, the negotiated contract rate will supersede individual room and board limits. On the other hand, if the Hospital’s contract provides a discount off billed charges, the individual room and board limits will apply. Birth Center means a facility that meets Professionally Recognized Stand ards and all of the following tests: • It mainly provides an outpatient setting for childbirth following a normal, uncomplicated Pregnancy. • It has: (1) at least two birthing rooms; (2) all the medical equipment needed to support the services furnished by the facility; (3) laboratory diagnostic facilities; and (4) Emergency equipment, trays, and supplies for use in life threatening events. • It has a medical staff that: (1) is supervised full time by a physician, and (2) includes a registered Nurse at all times when patients are in the facility • It has written agreements with a local Acute Care Hospital and a local ambulance company for the immediate transfer of patients who require greater care than can be furnished at the facility. • It admits only patients who: ( 1) have undergone an educational program to prepare them for the birth, and (2) have records of adequate prenatal care. • It schedules stays of not more than 24 hours for a birth. • It maintains a medical record for each patient. • It complies with all licensin g and other legal requirements that apply. • It is not: (1) the office or clinic of one or more physicians; (2) an Acute Care Hospital; (3) a Specialized Facility other than a Birth Center. Child means your biological child, legally adopted child, legal step child , child placed with you for adoption and any other child under your legal guardianship, all of who m are below age 26. Chiropractic Care means the conservative management of acute neuromusculoskeletal conditions through manipulation and ancillary physi ological treatment rendered to specific joints to restore motion, red uce pain, and improve function. Claims Administrator means the entity that processes medical claims. Complication of Pregnancy means: (1) an unscheduled cesarean section; (2) spontaneous termination of Pregnancy that occurs during a period of gestation in which a viable birth is not possible; (3) a condition, that requires Hospital confinement (when the Pregnancy is not terminated), whose diagnosis is distinct from Pregnancy but is caused or adversely affected by Pregnancy, such as: acute nephritis, nephrosis; cardiac decompensation; missed abortion; and similar medical and surgical con ditions of comparable severity. The term does not include: false labor; occasional spotting; physician pre scribed rest during a Pregnancy; morning sickness; pre - eclampsia; or similar conditions that are associated with a difficult Pregnancy but do not constitute classifiably distinct Complications of Pregnancy. Pregnancy Benefits are payable on the same basis as benefits for treatment of an illness . Covered Charge Limits mean (a) the usual charge for the service or supply; (b) the customary charge for the service or supply; (c) any limit specified in the Covered Charges List, the Schedule of Benefits, or the Ar eas of Limited Coverage section.