Overview of 2013 Vision Benefits Retirees by Vision Service Plan (V.S.P.)

1. Overview of 2013 Vision Benefits Retirees by Vision Service Plan (V.S.P.)

2. Monterey Bay Public Employees TrustOverview of 2013 Vision Benefits(Vision Service Plan) - Retirees No I.D. Cards. No claim forms. • Locate a V.S.P. doctor by visiting vsp.com, calling 1-800-877-7195, or getting V.S.P.’sList of Participating Doctors from P.G.A. office. • Make an appointment and tell the doctor you are a V.S.P. member. • Your doctor and V.S.P. will handle the rest.

3. Monterey Bay Public Employees Trust Overview of 2013 Vision Benefits(Vision Service Plan) - Retirees You get the best value from your V.S.P. benefit when you visit a V.S.P. network doctor. If you desire not to see a V.S.P. doctor, co-pays still apply. You’ll also receive a lesser benefit and typically pay more out-of-pocket. You are required to pay the provider in full at the time of your appointment and submit a claim to V.S.P. for partial reimbursement. If you decide to see a provider not in the network, call V.S.P. first.

4. Monterey Bay Public Employees Trust Overview of 2013 Vision Benefits(Vision Service Plan) - Retirees • Exam • In-V.S.P.-network: One exam covered in full every twelve (12) months ($15.00 co-pay); • Out-of-V.S.P.-network: Reimbursement up to $42.00 every twelve (12) months.

5. Monterey Bay Public Employees Trust Overview of 2013 Vision Benefits(Vision Service Plan) - Retirees • Prescription Glasses - Lenses • In-V.S.P.-network: Lenses (single vision, lined bifocal, lined trifocal lenses, and tints) covered in full every twenty-four (24) months; • Out-of-V.S.P.-network: Reimbursement for single vision to $40.00, bifocal vision up to $60.00, trifocal vision up to $80.00, and tints up to $5.00 every twenty-four (24) months.

6. Monterey Bay Public Employees Trust Overview of 2013 Vision Benefits(Vision Service Plan) - Retirees • Prescription Glasses - Frames • In-V.S.P.-network: Frame of your choice covered up to $115.00 every twenty-four (24) months. Plus 20% off any out-of-pocket costs every twenty-four (24) months. • Out-of-V.S.P.-network: Reimbursement up to $45.00 every twenty-four (24) months.

7. Monterey Bay Public Employees Trust Overview of 2013 Vision Benefits(Vision Service Plan) - Retirees • Contacts • In-V.S.P.-network: Your $105.00 allowance applies to the cost of your lenses and the fitting and evaluation exam every twenty-four (24) months, which is in addition to your vision exam to insure proper fit (no co-pay). • Out-of-V.S.P.-network: Reimbursement up to $105.00 every twenty-four (24) months.

8. Monterey Bay Public Employees Trust Overview of 2013 Vision Benefits(Vision Service Plan) - Retirees • Extra Discounts (Prescription Glasses) • In-V.S.P.-network: Up to 20% savings on lens extras such as scratch resistant and anti-reflective coating and progressives every twenty-four (24) months; 20% off additional prescription glasses and sunglasses every twenty-four (24) months. • Out-of-V.S.P.-network: None.

9. Monterey Bay Public Employees Trust Overview of 2013 Vision Benefits(Vision Service Plan) Retirees • Extra Discounts (Contacts) • In-V.S.P.-network: Exclusive pricing on annual supplies of popular brands; 15% off cost of contact lens exam (fitting and evaluation) every twenty-four (24) months. • Out-of-V.S.P.-network: None.

10. Monterey Bay Public Employees Trust Overview of 2013 Vision Benefits(Vision Service Plan) - Retirees • Rates(effective 4/01/12) • $22.56 per month (composite rate -- same rate for Single, Two-Party, or Family).

11. Monterey Bay Public Employees Trust Overview of 2013 Vision Benefits(Vision Service Plan) - Retirees • Disclaimer • This presentation provides only a general overview of your Vision benefits; • For complete information, consult your copy of theOverview of V.S.P. Benefits or contact either V.S.P. (1-800-877-7195 or www.vsp.com) or Health Services & Benefit Administrators (1-831-757-1711 or 1-888-742-3380).