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There is a two-year period beginning with the date you incur charges for medical services (including wellness, hearing, optical services and accident and sickness) during which you must file a claim for reimbursement of the charges.
There is a one-year period beginning with the date you incur charges for prescription drug and dental claims during which you must file a claim for reimbursement of the charges.
If you file a claim after this two-year period, or one-year period in the case of prescription drug or dental benefits, no reimbursement will be made.