67 Second Surgical Opinion Charges for a second surgical opinion are paid on the same basis as charges for an illness. Charges for a third surgical opinion also will be covered if the first and second opinions do not confirm that the surgery is Medically Necessary. Short-Term Rehabilitative Therapy Short-term rehabilitative therapy that is part of a rehabilitation program, including physical, speech, occupational, cognitive, osteopathic manipulative, cardiac rehabilitation, and pulmonary rehabilitation therapy is covered subject to the following limitations: • To be covered all therapy services must be restorative in nature. Restorative therapy services are services that are designed to restore levels of function that had previously existed but that have been lost as a result of injury or illness. Restorative therapy services do not include therapy designed to acquire levels of function that had not been previously achieved prior to the injury or illness. • Services are not covered if they are custodial, training, educational or developmental in nature. • Occupational therapy is provided only for purposes of enabling persons to perform the activities of daily living after an illness, injury, or sickness. • Vision therapy is also covered. Short-term rehabilitative therapy services that are not covered include, but are not limited to: • Sensory integration therapy, group therapy; treatment of dyslexia, behavior modification or myofunctional therapy for dysfluency, such as stuttering or other involuntary acted conditions without evidence of an underlying medical condition or neurological disorder; • Treatment for functional articulation disorder such as correction of tongue thrust, lisp, verbal apraxia or swallowing dysfunction that is not based on an underlying diagnosed medical condition or injury; and • Maintenance or preventive treatment consisting of routine, long term or non-Medically Necessary care provided to prevent recurrence, or to maintain the current status of the individual. If multiple outpatient services are provided on the same day, the visits will be treated as a single visit. Chiropractic treatment is not covered under the rehabilitative therapy benefits. See the section on Chiropractic Care for information about Chiropractic treatment and limits. The Plan does not cover physical, speech, occupational, cognitive, osteopathic manipulative, cardiac rehabilitation, pulmonary rehabilitation, or vision therapy except for the short-term treatment of an acute condition. There are no such benefits for chronic conditions, developmental problems, health club memberships, recreational or exercise programs, even when recommended by a physician. Limit on Number of Days : The Plan will not pay more than 50 days of short-term rehabilitative therapy for all combined types of therapy in any one calendar year.
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