5. MEDICAL PLAN BENEFIT Your Medical Plan Benefit provides comprehensive coverage of Covered Expenses incurred for an Illness or Injury, and is subject to a deductible and coinsurance provision that applies to each Participant each calendar year. The Medical Plan benefit has been structured to provide an incentive to use a Preferred Provider. You should also know the limitations and exclusions of the Medical Plan benefit. Some of these limitations and exclusions are described with the Plan benefits; others are described on pages 29-31 in the EXCLUSIONS AND GENERAL LIMITATIONS section of this Booklet. 5.1 CALENDAR YEAR DEDUCTIBLE 5.2 PERCENTAGE PAYABLE 5.3 ANNUAL OUT-OF-POCKET LIMIT 5.4 LIFETIME MAXIMUM BENEFIT 5.5 PREFERRED PROVIDER PROGRAM 5.6 HOSPITAL EMERGENCY ROOM 5.7 INPATIENT HOSPITAL SERVICES 5.8 OUTPATIENT HOSPITAL SERVICES 5.9 SURGICAL SERVICES 5.10 SKILLED NURSING FACILITY OR EXTENDED CARE FACILITY 5.11 PREADMISSION TESTING 5.12 AIR TRANSPORTATION 5.13 HOSPICE CARE 5.14 PREVENTIVE HEALTH CARE 5.15 PROFESSIONAL SERVICES AND SUPPLIES 5.16 HEARING LOSS BENEFIT 5.17 HOME HEALTH CARE BENEFIT 5.18 TREATMENT FOR MENTAL ILLNESS/SUBSTANCE ABUSE