Vision_plans_highlights_08-09

							VSP Focus Plan Highlights
The Focus plan features VSP, ranked “Highest in Overall Member Satisfaction Among National Vision Plans, Two Years in a Row” by J.D. Power and Associates. VSP offers an extensive network of doctors in the industry, with 32,000 access points across the nation, including 10,000 convenient retail locations. Awarded a Credentialing Certificate by the National Committee for Quality Assurance (considered the gold standard in doctor credentialing), VSP requires all doctors to meet these guidelines in order to participate on the VSP network. Members can choose to visit a VSP network doctor for guaranteed 100% satisfaction and the greatest value of their coverage. Visit our website at www.vsp.com or call 1-800-877-7195 for a list of VSP network doctors in your area. More Features of Focus  20% off additional non-covered complete pairs of prescription glasses and sunglasses.  15% off the contact lens exam only  Cost controlled pricing on a variety of lens options, including UV protection and scratch-resistant coating  An average of 15% off the usual and customary price or 5% off the promotional price when coordinated by a VSP network doctor and performed at a contracted laser surgery center FOCUS LIMITATIONS AND EXCLUSIONS  This quote is not valid in Florida and New York. Please check for availability in your state.  Covered Expenses will not include, and no benefits will be payable for, expenses incurred for: 1. Vision examinations more than once in any twelve month period 2. Lenses more than once in any twelve month period, and then only if replacement is deemed necessary by the Provider. 3. Frames more than once in any twenty-four month period, and then only if replacement is deemed necessary by the Provider. 4. Contact lenses more than once in any twelve month period. When chosen, contact lenses shall be in lieu of any other lens or frame benefit during the twelve-month period. When lenses and frames are chosen, expenses for contact lenses are not Covered Expenses during the twelve-month period. 5. Medically necessary contact lenses, except for the first $105 of expense, when such lenses are purchased for any reason other than for the following conditions: a. Following Cataract surgery b. To correct extreme visual problems that cannot be corrected with spectacle lenses c. Certain conditions of anisometropia d. Keratoconns Medically necessary contact lenses are limited to the plan allowance (100% covered in-network, $210 out-of-network). Such payment is limited to once in any twelve-month period and is in lieu of lenses and frame benefits under this policy. 6. Orthoptics or eye care training and any associated testing. 7. Plano Lenses. 8. Two pairs of glasses in lieu of bifocals. 9. Lenses and frames which are lost or broken, except at the normal intervals when services are otherwise available. 10. Medical or surgical treatment of the eyes. 11. Services for which claim is filed more than 180 days after completion of the service. 12. The following materials, over and above the Covered Expense for the basic material. These materials are cosmetic and the Insured will be responsible for the cost of these materials. a. Blended lenses b. Oversize lenses c. Photo Chromatic lenses; tinted lenses except pink #1 and #2 Progressive multi-focal lenses The coating of the lens or lenses The laminating of the lens or lenses Frames exceeding the maximum allowance selected by the Policyholder.

Vision Perfect (Non-Network Plan) Highlights
With the Vision Perfect Plan, each insured individual can select the physician to provide eye care services based on his or her own personal preference. Benefits are reimbursed solely on the scheduled defined amounts of the plan design, so there will be no billing surprises. You will appreciate the freedom to choose your own eye care provider without being penalized.

  

More Features of Vision Perfect Individuals can choose to go to any eye care provider. Insured pays the eye doctor for all services, then submit a claim to Ameritas for reimbursement. Benefits are reimbursed based solely on the scheduled amounts of the plan design, so insured know exactly how much they will be reimbursed in advance.

VISION PERFECT LIMITATIONS AND EXCLUSIONS  This quote is not valid in Florida and New York. Please check for availability in your state.  Covered Expenses will not include, and no benefits will be payable for, expenses incurred for: 1. Vision examination more than once in any twelve-month period. 2. Lenses more than once in any twelve-month period. 3. Frames more than once in any twenty-four month period. 4. Contact lenses more than once in any twelve-month period. When chosen, contact lenses shall be in lieu of any other lens or frame benefit during the twelve-month period. When lenses and frames are chosen, expenses for contact lenses are not Covered Expenses during the twelve-month period. 5. Examinations performed or frames or lenses ordered before the Insured was covered under the eye care expense benefits. 6. Subject to extension of benefits, any examination performed or frame or lens ordered after the Insured’s coverage, under the eye care expense benefits ceases. 7. Sub-normal eye care aids; orthoptic or eye care training or any associated testing. 8. Non-Prescription lenses. 9. Replacement or repair of lost or broken lenses or frames except at normal intervals. 10. Any eye examination or corrective eyewear required by an employer as a condition of employment. 11. Medical or surgical treatment of the eyes. 12. Any service or supply not shown on the Schedule of Eye Care Procedures. 13. Coated lenses; oversize lenses (exceeding 71mm); photo-gray lenses; polished edges; UV-400 coating and facets; any tints other than solid. 14. Lenses and frames during the first twelve months that a person is insured under the eye care expense benefits, when the person is a Late Entrant, as defined.

13. 14. 15. 16.

Vision Perfect - Low Plan (No Network) Annual Eye Exam Up to $45 Single Vision Glasses Up to $35 Bifocal Lenses Up to $50 Trifocal Lenses Up to $65 Progressive Lenses Up to $70 Lenticular Lenses Up to $70 Frames Up to $60 Contact Lenses Up to $75 Deductible: Exam Materials Rates Employee Only Employee & 1 Dependent Employee & 2 or more Dependents $ 5.44 / month $10.92 / month $15.32 / month $20 Combined Exam and Materials

100 % In-Network 100 % In-Network 100% In-Network 100% In-Network 100% In-Network Up to $105 Up to $105

Focus – High Plan (VSP Network) Up to $52 Out-of-Network Up to $55 Out-of-Network Up to $75 Out-of-Network Up to $52 Out-of-Network Up to $125 Out-of-Network Up to $40 Out-of-Network Up to $105 Out-of-Network

Deductible: $10 $25

$ 9.88 / month $19.76 / month $27.76 / month