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     (e) exclusions: experimental procedures, fertility drugs dispensed at a
         licensed pharmacy, medical and other charges  for surrogacy,  donor
         services/compensation in connection with pregnancy, storage of  sperm,
         eggs and/or embryo for longer than 6 months and high risk patients with
         no reasonable expectation for pregnancy.
            The Joint Committee on Health Benefits will work with the State and
         Empire Plan carriers on the ongoing oversight of this benefit.  Additionally,
         ongoing Program oversight and evaluation of the lifetime coverage limit
         will enable future modification if warranted.
            §9.11 Empire Plan Voluntary Nurse Line
            The medical component of the Empire Plan shall include a voluntary 24-
         hour/7-days a week nurse-line feature to provide both clinical and benefit
         information through a toll-free phone number.
            The Joint Committee on Health Benefits will work with the State and
         Empire Plan carriers on the ongoing oversight of this benefit.
            §9.12 Empire Plan Disease Management Program
            The Empire Plan medical component shall include a voluntary disease
         management program. Disease Management  covers those  illnesses
         identified  to be chronic, high  cost, impact quality of  life,  and rely
         considerably on  the patient's compliance with treatment protocols. The
         current Integrated Disease  Management Program includes, but is not
         limited to:  Chronic Obstructive Pulmonary Disease,  Coronary Artery
         Disease, Heart Failure, Asthma, Diabetes and Chronic Kidney Disease.
         Nutritional services will be covered for those programs identified when
         clinically appropriate.
            The Joint Committee on Health Benefits will work with the State and
         Empire Plan carriers on the selection, design, implementation and ongoing
         oversight of the new and existing Disease Management Programs.
            §9.13 Health Maintenance Organizations
            Eligible employees  in the State Health Insurance Plan may elect  to
         participate in a federally qualified or state certified Health Maintenance
         Organization which has been approved to participate in the State Health
         Insurance Program by the Joint Committee on Health Benefits.  If more
         than one HMO services the same geographic area, the Joint Committee on
         Health Benefits reserves the right to approve a contract with only such
         organization(s) deemed to be a quality, cost effective option(s).  The Joint
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