DISCLAIMER: The information in this email is offered for informational purposes only. It is not intended as a substitute for, or alteration of, any federal or state law or regulation, company policy, or provision of any written plan document or agreement between the company and any contracted provider. In the event of any inconsistency between information in this email and any federal or state law or regulation, company policy, written plan document or agreement, the provisions of the relevant law, policy, plan document or agreement will govern, and no person or entity shall be entitled to claim detrimental reliance on any information provided or expressed in this email. Effort has been made to ensure the accuracy of the information in this email; however, the Company reserves the right to interpret any ambiguity arising from any information provided in this email. | 
