(Typical wording*):

Limitations, Exclusions and Non-Waiver (cont.)

C. Non-Waiver

a. Billed charges for medical care and treatment received by all Insureds during a Calendar Year that are considered and applied by Us under the section of the policy entitled Increase in Lifetime Policy Maximum, does not mean We have any liability for coverage or for the payment of any Participating Provider Services Subject to Co-Pay, Non-Participating Provider Services Subject to Co-Pay, Participating Provider Services Subject to Calendar Year Deductible, Non-Participating Provider Services Subject to Separate Deductible for Non-Participating Provider Benefits and Miscellaneous Benefits under the policy for the illness, injury or condition that resulted in such expenses. Any such mistake or error by Us shall not constitute a waiver of or modification to any of the conditions, terms, definitions, limitations or exclusions contained in either the Policy or any exclusionary rider attached to the Policy.

b. Expenses charged to an Insured for Prescription Drugs that are mistakenly applied by Us to the Calendar Year Deductible or Separate deductible for Non-Participating Providers or erroneously paid by Us under the Outpatient Prescription Drug Benefit shall not:

1. constitute a waiver of or modification to any conditions, terms, definitions, or limitations contained in the Policy, specifically including, but not by way of limitation, the definitions of Sickness and Injury, the limitation of coverage under the policy for Pre-existing Conditions, as well as any exclusion, limitation and/or exclusionary riders which may be attached to the policy, or otherwise operate to alter, amend, affect, abridge or modify the Policy;

2. create or establish coverage of any medical condition, illness, disease, or injury under the policy or under any exclusion, limitation and/or exclusionary riders which may be attached to the Policy; or

3. affect, alter; amend, abridge, constitute or act as a waiver for the Company's ability to rely upon, assert, and apply such terms, definitions, limitations or exclusions of the Policy or nay amendments thereto.