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Ronda Municipal Insurance Trust Medical Master Plan of Beneflts Physical Therapist means a person who is duly registered or licensed by the state in which such person is engaged in the practice of physical therapy and who is a member of the American Physical Therapist's Association. Physical Therapy means the diagnosis, treatment, prevention, or rehabilitation of any injury, disease, or other health condition, including the use of apparatus and equipment directly related thereto, by the use of physical, chemical, and other properties of air; electricity; exercise; massage; radiant energy,' including ultraviolet, visible or infrared rays; ultrasound; or water; or by the use of acupuncture or tests of neuromuscular functions; provided such diagnosis, treatment, prevention, or rehabilitation is performed pursuant to minimum criteria and standards of practice established by a statutorily created board that primarily consists of physical therapists and/ or physicians and pursuant to a written plan of treatment prescribed and approved by a physician. Physician means a doctor of medicine (M.D.) or doctor of osteopathy (D.O.) legally qualified to practice medicine and perform surgery at the time and place the service is rendered. For services covered under this Plan, doctors of dental surgery (D.D.S.), doctors of podiatry (D.P.M,), and doctors of chiropractic (D.C.), when acting within the scope of their licenses, are deemed to be physicians. Plan means this Master Plan of Benefits, including any Schedule of Benefits attached hereto. Pre-existing Condition means any condition, physical or mental, for which medical advice, diagnosis, care or treatment was recommended or received within the twelve (12) month period ending on the enrollment date. Preventative Care means services and supplies ordered and/ or provided by or under the direction of a physician for which there is no medical diagnosis or does not seek to diagnose, treat, or cure a sickness or injury. Reasonable Fee means the benefit allowances as determined by the Trust for all eligible expenses incurred by a participant. The basis will be the relative value studies and schedules utilized and evaluated by the Trust. The benefit allowances utilized by the Trust are determined by studies of charges for similar benefits within a common geographical area. These studies are used to develop benefit value schedules that are updated on a routine basis. Ree:istered Graduate Nurse or Licensed Practical Nurse means a person duly licensed by the state in which such person is engaged in the practice of nursing. Rehabilitative Services means health care services for the purpose of which is to restore functional defects. Routine Care means services and supplies ordered and/ or provided by or under the direction of a physician for the purpose of the diagnosis, treatment, or cure of a sickness or injury. Second Surgical Opinion means the second opinion contained in a written statement on the necessity for the performance of a covered surgical operation given by a board-certified specialist who, by the nature of the physician's specialty, qualifies the physician to consider the surgical opinion being proposed and who is not associated With the physician initially recommending the surgical operation. · .Unless otherwise stated In the Schedule of Benefits (7/98) Page 5