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Vision Plan                                                                                               10






            Vision Service Plan

            ABC Company offers you vision care coverage through Vision Service Plan (VSP). VSP allows you to
            receive vision care services from any provider you wish. When you access vision care from VSP network
            providers, most eligible services are covered at 100%. Vision care accessed from out-of-network providers
            is reimbursed to the patient up to the maximums noted below.



             Plan Features                                            Vision Service Plan

                                                          In-Network                     Out-of-Network
              Providers                                 When you obtain vision care services from a VSP provider,
                                                                 you receive a higher level of benefits
              Annual Deductible                                       $20 copay per individual

             Vision Care Services
              Examination                               Covered at 100%;                 Covered up to $45
              (Once Every 12 Months)                   subject to deductible
             Glasses
              Lenses                                    Covered at 100%;             Covered up to the following
                                                                      1
              (Once Every 12 Months)                   subject to deductible               maximums:
                                                                                         Single Vision: $30
                                                                                           Bifocal: $50
                                                                                           Trifocal: $65
                                                                                          Lenticular: $100
              Frames                             Covered at 100% up to $130 retail;      Covered up to $70
              (Once Every 12 Months)                  subject to deductible 2

             Contact Lenses
              Medically Necessary                       Covered at 100%                 Covered up to $210

              Elective                                 Covered up to $130               Covered up to $105
              (Once Every 12 Months in Lieu of
              Frames and Lenses)
             Value Added Discounts
              Laser VisionCare SM               VSP has contracted with many of the nation’s finest laser surgery facilities and
                                                    doctors, offering you a discount for PRK and LASIK surgeries through
                                                      contracted laser centers. Visit VSP’s website at www.vsp.com to
                                                                   learn more about this program.
              Prescription Glasses               Receive 20% savings when you purchase non-covered pairs of prescription
                                                 glasses, including prescription sunglasses from the same VSP doctor within
                                                                  12 months of your last eye exam.

             1   Optional items such as tinted, photochromic, coated, and progressive lenses are not covered, but are available through
              VSP providers at a discount.
             2   Amounts exceeding the retail allowance receive a 20% discount from VSP providers.
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