Indiana Code § 27-13-1-23

"Out-of-plan covered services"
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Sec. 23. (a) "Out-of-plan covered services" means nonemergency, self-referred covered health care services that: (1) are obtained from a provider who is: (A) not otherwise employed by; (B) not under contract with; and (C) not otherwise affiliated with; the health maintenance organization; or (2) are obtained from a participating provider without a referral.       (b) The term does not include uncovered services.

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