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<br />12. Expenses for hearing aids. <br /> <br />13. Treatment for obesity and/or eating disorders. <br /> <br />14. Expenses for artificial insemination, invitro fertilization, gamete or zygote intrafallopian transfer, or <br />reversal of voluntary sterilization. <br /> <br />15. Transplants of non-human, mechanical or artificial organs or tissue. <br /> <br />16. Expenses arising out of, caused by, contnbuted to or in consequence of war, declared or undeclared, <br />civil war, hostilities, or invasion. <br /> <br />17. Expenses for any COBRA continuee or retiree whose continuation of coverage was not offered in a <br />timely manner or according to COBRA regulations. <br /> <br />18. Expenses incurred as a result of any lost savings or discounts offered by a facility or provider due to <br />untimely payment of the bill by You or Your Administrator. <br /> <br />19. Expenses for which benefits are not payable under the Plan because of an exclusion for expenses <br />incurred due to a pre-existing condition as defined in the Plan. <br /> <br />SL-200l <br /> <br />11 <br /> <br />(6/01) <br />