A licensed physician (medial doctor or REVIEW doctor of osteopathy) responsible for receiving OFFICER laboratory results generated by an employer' s drug testing program who has knowledge of substance (MRO) abuse disorders and has appropriate medical training to interpret and evaluate an individual's confirmed positive test results together with his/her medical history and any other relevant biomedical information.

A document from a physician or other approved entity with the health information of the proposed insured and submitted to an insurance provider to supply medical evidence of insurability or lack there of.

A document completed by a physician or another approved examiner and submitted to an insurer to supply medical evidence of insurability (or lack of insurability) or in relation to a claim.

Services provided by a doctor, specialist, radiologist, pathologist or anaesthetist.

oncologist: A doctor who specializes in using chemotherapy to treat cancer.

Unless otherwise defined by a plan in a service agreement, medical or surgical treatment which an enrollee requires, as determined by a participating provider in accordance with professionally recognized standards of practice at the time of treatment.