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Voluntary Vision Benefits

                                                 Policy #OMECONIN01




                                                                   Community Eye Care
                             Voluntary Vision
                                                              Network Provider        Non-network
                                                                                         Provider
                      Copays:
                      Eye Exam                                       $10                See below

                      Materials                                      $25                See below
                      Frequency of Services:

                      Eye Exam                                          Once per 12 Months

                      Lenses                                            Once per 12 Months

                      Frames                                            Once per 12 Months

                      Materials Benefits:

                      Single Vision

                      Bifocal Lenses                           $150 allowance;     The member submits

                      Trifocal Lenses                       Members who exceed      a claim to CEC & is

                      Lenticular Lenses                      allowance are eligible   reimbursed for the

                      Frames                                 for 20% discount on   cost of the exam and
                                                               glasses and 10%      eyewear, minus the
                      Elective Contact Lenses (Professional

                      Fees & Materials)                      discount on contact    copay. There is no
                                                             lenses when seeing a     out-of-network
                      Medically Necessary Contact Lenses      network provider.          penalty.

                      (Professional Fees & Materials)


               CEC has a large network of providers including Wal-Mart Vision Center, Lens Crafters, JC Penney, Sam’s
               Club and many more.  There are no claims to file when you see an in-network provider. Network
               providers file claims on your behalf. If you see a non-network provider, simply submit a claim form and a
               receipt to Community Eye Care.

               How to use the benefit:
                   1.  Select a provider from the Community Eye Care provider network.
                          a.  To locate a provider in your area go to cecvision.com and search by: county, doctor’s
                              last name, practice name or zip code.
                   2.  Call the provider to make an appointment, and let them know that you have Community Eye
                       Care coverage.
                   3.  See the doctor and select your eyewear.
                   4.  Your only payments to the provider are your co-pays, plus any discounted amount that exceeds
                       the $150 eyewear allowance.


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