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I elect to ENROLL IN OR CHANGE TO a Health Benefits Plan as shown in Items 8 and 9 above and authorize deductions to be made from my salary or retirement allowance to cover my share of the cost of enrollment as it is now or as it may be in the future. 5. Coordination of benefits among carriers. BINDING ARBITRATION Enrollment in certain plans constitutes an agreement to have any issue of medical malpractice decided by neutral arbitration and waive.

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