108 Specialist means a physician who provides specialized services, and is not engaged in general practice, family practice, internal medicine, obstetrics/gynecology or pedia trics. Specialized Facility means only an Ambulatory Surgical Facility, a Birth Center, a Mental Health Residential Treatment Center, and a Substance Abuse Residential Treatment Center; whether physically or lega lly a part of another facility. Spouse means the person to whom an Employee is legally married, as determined by both state law and with whom the employee can file a joint income tax return pursuant to the U.S. Tax Code. Substance Abuse Residential Treatment Center means a facility that i s licensed in accordance with the laws of the appropriate legally authorized agency as a residential treatment center for alcoholism, drug or chemical dependence. Substance Abuse Treatment Services are services that are required to treat psychological or physical dependence on alcohol or other mind - altering drugs that requires diagnosis, care, and treatment. In determining benefits payable, charges made for the treatment of any physiologica l conditions related to rehabilitation services for alcohol or drug abuse or addiction will not be considered to be charges for treatment of substance abuse. Total Disability or Totally Disabled means that you or your Spouse are prevented by illness or inj ury from engaging in any duty of your occupation for wages or profit. For your dependent children, it means they are prevented by illness or injury from engaging in their normal daily activities. Usual, Customary and Reasonable Charges or UC&R Charges (som etimes referred to as Maximum Reimbursable Charge or MRC) mean s charges for medically necessary services or supplies that are determined to be the lowest of: • The 90 th percentile of the usual charge by the health care provider for the same or similar servic e or supply; • The prevailing charge of most other health care providers in the same or similar geographic area for the same or similar health care service or supply; • With respect to a Preferred Provider, the charge set forth in the agreement between the Pre ferred Provider and the Preferred Provider Organization or the Plan; or • The health care provider’s actual charge. You and your means the employee/participant who is eligible for coverage under the terms of the plan and who can enroll his or her Spouse and/ or eligible dependent children.