Occupational, Physical and Speech Therapy

Up to 30 visits each of occupational therapy, physical therapy or speech therapy are covered as described below.

The Participant must have been diagnosed by a Physician and the Physician must determine that therapy is an appropriate course of treatment based on Medical Necessity for the Participant.

The Participant must first exhaust all benefits available under their Base Medical Program for the therapy and provide proof to the Benefits Administrator that no additional benefit is available from their Base Medical Program before a benefit will be paid.