Part 2 – Explanation of Terms (continued) WORDS IN ITALICS ARE EXPLAINED IN PART 2. Page 15 The deductible is indexed to the average national premium growth and the amount may be increased annually. This means that your deductible amount may increase from time to time, as determined by Blue Cross Blue Shield HMO Blue. Blue Cross Blue Shield HMO Blue will notify you if this happens. However, the amount of your deductible will never be more than the maximum deductible amount allowed under applicable law. Diagnostic Lab Tests This health plan provides coverage for diagnostic lab tests. These covered services include tests which analyze samples from the body such as blood, waste, or tissue. These tests include (but are not limited to): 12-lead electrocardiograms; standard electroencephalograms; and glycosylated hemoglobin (HgbA1C) tests, urinary protein/microalbumin tests, and lipid profiles to diagnose and treat diabetes. Diagnostic X-Ray and Other Imaging Tests This health plan provides coverage for diagnostic x-ray and other imaging tests. These tests provide an internal image of the body and are recorded as permanent pictures, such as film. These tests can be low-tech radiology services, such as ultrasounds, x-rays, and fluoroscopic tests. Or, they can be high-tech radiology services, such as computerized axial tomography (CT scans), magnetic resonance imaging (MRI), positron emission tomography (PET scans), and nuclear cardiac imaging. Imaging tests may pair pictures of the body with functional measurements, such as a barium swallow test. Effective Date This term is used to mean the date, as shown on Blue Cross Blue Shield HMO Blue’s records, on which your coverage in this health plan starts. Or, it means the date on which a change to your coverage in this health plan takes effect. Emergency Medical Care As a member of this health plan, you have worldwide coverage for emergency medical care. This is the type of care you need immediately due to the sudden onset of an emergency medical condition. An “emergency medical condition” is a medical condition, whether physical, behavioral, related to substance use, or mental, manifesting itself by acute symptoms of sufficient severity (including severe pain) that, in the absence of prompt care, could reasonably be expected by a prudent layperson who has an average knowledge of health and medicine to result in:  placing your life or health or the health of another (including an unborn child) in serious jeopardy; or  serious impairment of bodily functions; or  serious dysfunction of any bodily organ or part; or,  as determined by a provider with knowledge of your condition, severe pain that cannot be managed without such care. Some examples of conditions that require emergency medical care are: suspected heart attacks; strokes; poisoning; loss of consciousness; convulsions; and suicide attempts. This also includes treatment of mental conditions when: you are admitted as an inpatient as required under Massachusetts General Laws, Chapter 123, Section 12; you seem very likely to endanger yourself as shown by a serious suicide attempt, a plan to commit suicide, or behavior that shows that you are not able to care for yourself; or you seem very likely to endanger others as shown by an action against another person that could cause serious physical injury or death or by a plan to harm another person.