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reasonable and customary charge.

               Additional requirements apply (both in- and out-of-network).  For example, Type B, Type C and
               TMJ Services are covered after an annual $50 individual or $150 family deductible.  Type A, Type
               B, Type C and TMJ Services are subject to a $2,000 annual limit per person.  Orthodontic Services
               are only covered for children under age 26 and are subject to a lifetime $50 deductible and $3,000
               lifetime limit per person.  Please refer to the benefits booklet for more information.


               COBRA Contact:
               Human Resources
               1271 Avenue of the Americas
               New York, NY 10020
               Telephone: 212-931-7852


























































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