1. Blue View VisionSM
Blue View VisionSM is a product of Anthem Blue Cross Life and Health Insurance Company. Independent licensee of the Blue Cross Association. ® ANTHEM is a registered trademark of Anthem Insurance Companies, Inc. The Blue Cross name and symbol are registered marks of the Blue Cross Association.

2. Agenda The Value of Vision Blue View Vision Products and Features
Vision Provider Network
Easy Administration
Sales Tips and Tools

3. The Value of Vision

4. The Value of Vision
Offering vision benefits is an important way for employers to help their company’s overall health and wellness
Approximately 75% of American adults use some form of vision correction.1
More than 80% of Americans feel it is important to have a vision care benefit.2
A slight miscorrection in eyesight can reduce productivity by 10% and work accuracy by nearly 40%. Computer eyestrain can reduce productivity between 10 and 50%.3
Eye exams can be used to spot early symptoms of diseases like diabetes, hypertension, multiple sclerosis, brain tumors, lupus, AIDS, osteoporosis, rheumatoid arthritis and Grave’s disease. Early detection can help minimize health costs.4
Vision Council of America – U.S. Consumer Purchasing Patterns.
Managed Vision Care Report, Jobson Optical Research.
3. Jan. ‘04 issue of Optometry: Journal of the AOA.
4. Thompson Media Inc. Employee Benefit News, April 15, 2005.

5. The Value of Vision The Advantages Are Easy To See….
Access to a convenient, national vision network
Value-added savings
Additional savings of 15% to 40% on unlimited purchases of most extra pairs of eyewear, conventional contact lenses, lens treatment and various accessories
Flexible, easy-to-use benefits
One-stop shopping

6. Blue View Vision Products and Features

7. Blue View Vision - A Closer Look
Two PPO products
- In-network benefits
- Out-of-network benefits
National preferred provider network
Basic PPO benefit components
Examination
Lenses
Frames
Contact lenses
Additional savings program

8. Blue View Vision - A Closer Look
COVERED: Comprehensive eye exams
With dilation as necessary after exam copayment
COVERED: Materials (lenses and frame)
Standard Lenses
- Single Vision, Trifocal, Bifocal
Frame allowance of $120 retail value
- 20% discount off balance over the allowance
COVERED: Elective contact lenses (in lieu of eyeglass lenses)
$115 plan allowance
- 15% discount off balance over allowance on conventional lens
Progressive lenses - covered up to the bifocal amount for standard progressive lenses.
Non-elective contact lenses – those lenses prescribed following cataract surgery or for extreme visual acuity or other functional problems not treatable by eyeglass lenses. – Covered in full in network.

9. Blue View Vision - A Closer Look
Benefits
Blue View Plus
Blue View
Exam
Every 12 months
Lenses or Contact Lens 1
Every 24 months
Frame
In-network Exam Copayment
$15
$25
Employee Only
$13 $7
Employee + Spouse
$23
$11
Employee & Child(ren)
$24
$12
Employee + Family
$36
$18
1 Coverage for these vision PPO plans include choice of eyeglass lenses or contacts.
Two-year rate guarantee!

10. Blue View Vision - A Closer Look at the Savings!!
Savings on Non-covered Items
With covered benefits
- Fixed fee pricing on lens options
- 20% discount on frame overage
- An additional 15% off the balance over the allowance for conventional contact lenses
Additional purchases
- 40% additional savings for a second pair of glasses (includes lens treatments/upgrades)
- 20% discount off of materials purchased separately
- 20% discount off of eyewear accessories
Members may use savings program as often as they like!
[next-lens options]

11. Blue View Vision - A Closer Look
Negotiated Rates For Lens Options
Lens Options
Price
UV Coating
$15
Tint (solid and gradient)
Standard Scratch Resistance
Standard Polycarbonates
$40
Standard Progressives1
$65
Standard Anti-Reflective Coating
$45
Other Add-Ons and Services
20% off retail
[next – start providers & networks]
1 Cost added to bifocals.

12. Vision Provider Network

13. Vision Provider Network
Large provider network
Access to 44,000 providers and provider locations nationally
More than 4,500 in California
Network includes:
Ophthalmologists (MD or DO)
Optometrists
Opticians
Retail locations
Desirable network composition
Matches consumer buying patterns
Definitions:
Ophthalmologists -MD or DO - Specializes in medical, optical and surgical eye care
Optometrists - Practitioner trained in the examination of the eye and the prescription of eyeglasses/contact lenses
Opticians (Retail Locations/Dispensing Experts) - Dispenses eyeglasses and contact lenses from a prescription written by an ophthalmologist or an optometrist
Meets/exceeds geo access standards
Urban/Suburban - 1 provider in 10 miles 98% of the time
Rural – 1 provider in 20 miles 85% of the time
Notify Blue View Vision when standards are not me

14. Vision Provider Network
The Convenience of Retail Providers
Including LensCrafters®, Target Optical®, Sears OpticalSM, JCPenney® Optical and Pearle Vision®.
- 40% of consumers with a vision plan are interested in LensCrafters
- Offer extensive frame selections
Providers available nights and weekends
- Reduces employee time away from work
- 15% of retail eyewear purchases are made on Sunday
No lab requirement – potential to receive eyewear faster
- 50% of LensCrafters provide same day service
How vision Differs than Medical with network:
Members typically choose providers based on price rather than expertise
Members are more likely to switch vision providers without issue
Network disruption has less impact in the vision plan industry

15. Easy Administration

16. Blue View Vision Administration
Eligibility Guidelines, Contributions and Participation
Mirror health plans options
- Employee Elect: 50% contribution; 75% participation
- BeneFits: 25% contribution; 60% participation
Anniversary
- Existing groups may add vision throughout the year; effective 1st of the following month.
- Groups who previously had vision with Anthem Blue Cross Life and Health Insurance Company and dropped it, can again add vision coverage on their anniversary date.
CalCOBRA and COBRA eligible
Premium Only Plan (P.O.P) - Section 125 eligible
An employee who declines coverage because he/she is covered by a spouse's employer’s group medical or vision plan is excluded in determining participation.

17. Blue View Vision Administration
Easy and efficient administration
One application
One bill
Blue View Vision customer service
1-(866)
Monday through Saturday 5 a.m. to 8 p.m. PST
Sunday 8 a.m. to 5 p.m. PST
24/7 automated IVR
[next – administration]

18. Blue View Vision Administration
In-Network – Member Experience
Member selects network provider.
Arranges an appointment.
Presents member vision ID card at the time of service.
Provider delivers vision services.
Member pays copayment and discount rates for non-covered items.
Member receives materials, in some cases within days or even hours.
Provider submits claim on behalf of member.
On-line directory on website using provider finder available to locate vision providers
Out-of-Network Member Experience
Member selects a provider
Arranges an appointment
Provider delivers vision services
Member pays all costs at the time of service
Member submits receipt to Blue View Vision for payment according to the plan out-of-network reimbursement schedule
If necessary, member has access to customer services 7 days/week or 24/7 via IVR
Member has access to customer service 7 days/week or 24/7 via IVR

19. Blue View Vision Administration
Out-of-Network – Member Experience
Member goes to any out-of-network provider of their choice.
Arranges an appointment.
Presents member vision ID card at the time of service.
Provider delivers vision services.
Member pays for services rendered and submits an out-of-network claim form along with itemized receipt to address on form.
Member receives materials, in some cases within days or even hours.
Member is reimbursed per their specific plan out-of-network allowances.

20. Sales Tips and Tools

21. Sales Tools and Tips
Regular eye exams are critical for productive, healthy employees.
Employers use benefits to recruit and retain quality employees.
Employer plan offerings can provide employees with 60% or greater savings on vision care.
Vision plans average < 3% of health health care costs.

22. Blue View Vision supported by E-commerce
Sales Tools and Tips
Blue View Vision supported by E-commerce
EmployerAccess, including:
>Online enrollment
>Benefits inquiry
>Online billing
Rapid Quote
Blue View Vision network is included in our Provider Finder
Blue View Vision member access site is available and includes:
Benefits, Provider Finder and eligibility
A hotlink to the Blue View Vision site from MemberAccess on anthem.com/ca

23. Sales Tools and Tips… If You’re Gonna Play, Play to Win Sales!
Focus on Blue View Vision competitive advantages
The power of packaging and flexible design plans
Access to a national, convenient network
Value added savings
Cross sell with Anthem Blue Cross health
With renewal and new sales
10% commission
Offer one-stop-shopping for employee benefits
Promote easy and efficient administration for employers
Vision is good for retention
Employers with multiple products from a single carrier are less likely to shop a single product
75% of employers want to consolidate the number of carriers with whom they do business (LIMRA)

24. Blue View Vision Questions?
Blue View VisionSM is a product of Anthem Blue Cross Life and Health Insurance Company. Independent licensee of the Blue Cross Association. ® ANTHEM is a registered trademark of Anthem Insurance Companies, Inc. The Blue Cross name and symbol are registered marks of the Blue Cross Association.