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            VSP Network Plan



          VSP offers one of the nation's largest networks of independent   When members visit a VSP network provider they'll get:
          providers. With 91 % of VSP doctors offering early morning,   • 20% off remaining frame balance
          evening or weekend hours, members can visit a provider on their   • 20% off non-covered complete prescription glasses
          schedule.  Find VSP network providers at vsp.com.      • 20-25% off non-covered lens options such as UV coating and
                                                                  polycarbonate lenses
           C'osO  T-"Visionworks·               eyec-onic        • 15% average off retail for LASIK or PRK laser eye correction,  or
                   DflT                                           5% off promotional price, through a VSP provider
                                                                 • $20 on featured frame brands


                                                                 Based on applicable laws, reduced costs may vary by doctor location.




                                         What the plans pay in-network / out-of-network
           Deductible                                  Choose between $10 exam & $25 materials OR $15 exam & $15 materials
           Annual eye exam                                                100% I Up to $45
           Single vision                                                  100% I Up to $30
           Bifocal                                                        100% I Up to $50
           Trifocal                                                       100% I Up to $65
                                                                                               Plan2

           Contacts                                                       $130 / Up to $105

           Benefit frequencies
           Exam-lens-frame                                  12-12-24                          12-12-12
                                                        Monthly rates


           Employee                                          $8.76                              $9.60
           Employee + spouse                                 $18.96                            $20.68
           Employee + child(ren)                             $15.36                            $16.76
           Family                                            $25.52                            $27.80
                                       Upgrade to $150 / $150 lens and frame allowances
                                              I                                 I

           Employee                                          $9.12                              $9.96
           Employee + spouse                                 $19.68                            $21.40
           Employee + child(ren)                             $15.88                            $17.40
           Family                                            $26.44                            $28.88
                            All rates are valid for policies with an effective date through 12/31/22, and are guaranteed for four years.
                                        Voluntary plans may be set to align with the Section 125 plan year.
          Limitations

          Please refer to the Certificate of Insurance for a complete 11st of C(l,lered IJ'(Cedures. Check for avallallllty   • Medical or surgical treatment of the eyes.
          In your state. Cove expenses will not Include, and no benefits will be payatle for:   • Cont lens modfflcatlon, pollsting or cleaning.
          • In netwokoontact lens exam-fit & follow up cost Is capped at$60 (except In WA).   • The refitting of contact lenses aftS' the Initial 90-day flllng period.
          • Vision examinations, lenses and frames more than the frequency as Indicated on the plan summary page.   • Cont lens Insurance policies or service contracts.
          • Ser.ices and/or mattrlals not specically Inducted In the Schedule as covered Plan Benefits.   • Additional office llislts associated with contact lens pathology.
          • Plano lenses �enses v.1th refracHve correion of less than plus or minus .50 cloptS') except as   • Local, state and/or federal taxe, except where law requires us to pay.
           specfflcally allowed In the frames benefit secHon of the Plan Benefits.   • Qwered persons may be required to purchase a membi:Jshlp at certain retail locations before
          • Ser.ices or materials that are cosmic, Including piano contact lenses to change eye color and   aocesslng plan benefits.
           atlstlcally painted oonta:t l1:11ses.                 • Plans not avallatle In RI.
          • Two pairs of glasses In lieu of ljfocaJs.            • Plans are not available In FL for groups with less than 51 lives.
          • Replacement of spectae lenses, frames, and/or contact lenses furnished under this i:tin that are lost or
           damaged, exce at the normal lntelvs when services are otherwise available.   • Specffi: plans not listed In this brochure are available for MA and MO.
          • Orthoptlcs or vision training and any assoted supplemental testing.   Consult your sales representative regarclng plan avallatlllty In the states of MA, WA and MO.
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