“Medically Necessary” means the need to have treatment or service for the Covered Illness or Covered Injury upon the professional advice of a Physician in accordance with generally accepted standards of medical practice and the medical service, procedure or supply shall:
a)require the expertise of a Physician or Surgeon;
b)be consistent with the diagnosis and necessary for the treatment of the condition;
c)be rendered in the most cost-efficient manner in accordance with standards of good and prudent medical practice, and not for the convenience of the Insured, Family Members or any medical service providers;
d)be delivered at the most appropriate level sufficient to safely and adequately treat the Insured.