Value for Benefit-Eligibles

2. Value for Benefit-Eligibles Best value for your dollar Average Annual Savings $409 with a VSP Doctor Comparison based on national averages for eye exams and most commonly purchased brands.

3. Contributions for Benefit-Eligibles Rates effective July 1, 2014 Contributions per pay Eligible for pre-tax deductions through Section 125

4. Your Eyecare Plan WellVision Exam® Thorough eye exam once every plan year Prescription glasses Lenses once every plan year Frame once every other plan year Contacts You can choose contacts instead of glasses every plan year Extra discounts and savings Plan year runs from July 1 – June 30 More than the basics—and at a great price

5. WellVision Exam® Focuses on your eyes and overall wellness • Available once every plan year • Fully covered after a $15 copay at VSP Doctors • Eyecare is important: • 85% of all you experience is through your eyes • Routine exams can help you see well and detect symptoms of health conditions • Vision problems can impact a child’s learning and development

6. Prescription Glasses Plenty of choices to fit your style and budget • Lenses once every plan year • Fully covered after a $20 copay at VSP Doctors • Single vision, lined bifocal and lined trifocal • Polycarbonate lenses for children and handicapped dependents or monocular members • Scratch resistant coating for all members • Frame every other plan year • $130 allowance; $150 allowance for featured frame brands • Plus, 20% off the amount over your allowance if you choose a more expensive frame

7. Contacts Plenty of choices to fit your budget • You can choose contacts instead of glasses every plan year. • Maximum patient copay of $60 for contact lens exam (evaluation and fitting) • Allowance of $130 applies to contact lenses • 15% off contact lens exam, evaluation and fitting fee at all VSP Doctors

8. Extra Discounts and Savings Great savings through your VSP doctor • Average 20-25% savings on all non-covered lens options such as progressive lenses or anti-reflective coating. • 20% off additional glasses and sunglasses, including lens options, from any VSP doctor within 12 months of your last WellVision Exam. • 15% off the cost of contact lens exam. • Average 15% off the regular price or 5% off the promotional price of laser vision correction services; discounts only available from contracted facilities. • Discount on hearing aids through TruHearing. Visit vsp.truhearing.com for additional information.

9. Additional coverageDiabetic Eyecare Plus • Fully covered after a $20 copay • For routine eyecare and follow-up diabetic eyecare services for members with diabetic eye disease, glaucoma, or age-related macular degeneration (AMD) from your VSP doctor:* • Follow up medical eyecare services • Preventive retinal screenings for members who have diabetes, but don’t show signs of diabetic eye disease *Some health plans require a referral from a primary care physician. VSP pays secondary to your medical plan

10. Using Your Benefit It’s a breeze to get started • Find a VSP doctor anytime, anywhere. • Sign on to vsp.com. • Call 800.877.7195. • Tell the doctor you’re a VSP member and schedule your appointment. Be sure to give the doctor your Ivy Tech C-number . • Your doctor and VSP will handle the rest. • An ID card isn’t required, but ID cards are available on vsp.com if you want something for your wallet, as a reminder.

11. Open Access Network Seeing a non-VSP provider • If you see a non-VSP provider, you’ll receive a lesser benefit. • You’ll typically pay more out-of-pocket and won’t qualify for valuable discounts through your VSP doctor. • Out of Network Allowances Reimbursed to member Exam – up to $45; Single vision lenses – up to $30; Lined bifocal or Progressive lenses - up to $50; Lined trifocal lenses– up to $65; Frame – up to $70; Contacts – up to $105

12. Open Access Network Seeing a non-VSP provider • If you choose to see a non-VSP provider: • Your provider submits a claim. • You’ll pay your provider any applicable copays, plus the amount over the reimbursement. • You submit a claim for reimbursement. • Pay the provider in full at the appointment. • Call 800.877.7195 or visit vsp.com to access claim form. • Submit your itemized receipts to VSP for reimbursement.

13. Member Vision Card Member Vision Cards are available online at vsp.com. Just print, and put in your wallet. • Member name • Coverage type (member only or family) • Ivy Tech Community College Client ID number • Doctor network name: VSP Choice • Copays

14. Thank you!