1. Fusion Medical Staffing, LLC
Vision benefit overview
OPENING SLIDE/ INTRODUCTION
(Can add their logo if we have it. Can give other important details or dates if applicable.)
Welcome to _______________’s (dental/vision) benefit overview.

2. Focus® annual eye exam deductible featuring VSP network savings
in network: covered in full
out-of-network: up to $45
deductible
in network: $10
out-of-network: $10
FOCUS/VSP PLAN PLAN DETAILS (1 of 4) – adjust content on slide
Your Focus vision plan features VSP and the plan provides benefits whether your doctor is in or out-of-network. VSP puts members first by investing in the things you value most—high-quality vision care at the best value. It is a national vision care company that you can trust to always put your wellness first.
This plan covers your annual eye exam in full when visiting a VSP network provider and covers up to ($35) for out-of-network exams. Your deductible is ($10) in network and ($50) out-of-network.

3. benefit allowances – glasses
VSP Choice Network
out-of-network
single vision lenses covered in full up to $30
bifocal lenses covered in full up to $50
trifocal lenses covered in full up to $65
lenticular lenses covered in full up to $100
frames $ up to $70
FOCUS/VSP PLAN PLAN DETAILS (2 of 4) – adjust content on slide
(IF COMBINING GLASSES AND CONTACTS SLIDES – title can be: eyewear benefit allowances)
Basic lenses are covered in full if you are seeing a VSP provider. Your plan also provides ($150) for frames. Please remember that benefits for frames are available once every two years.
If you visit a provider out of the VSP network, lenses are partially covered based on the type of lens you choose and frames are covered up to ($70).

4. benefit allowances – glasses
VSP Choice Network
out-of-network
progressive lenses up to contract up to lined bifocal allowance
std. polycarbonate covered dependents no benefit
$33 adults
solid plastic dye $15 (not pink I, II) no benefit
plastic gradient dye $ no benefit
photochromatic lenses $31-$82 no benefit
scratch resistant $17-$33 no benefit
anti-reflective coating $43-$85 no benefit
ultraviolet coating $ no benefit
FOCUS/VSP PLAN DETAILS (3 of 4) – adjust content on slide
Many additional lens options are partially covered in the VSP network.
Progressive lenses are covered in network up to the contracted fee for lined bifocal lenses and you are only responsible for the difference between the base lens and the progressive lens charge. Progressive lenses purchased out-of-network are covered up to the lined bifocal allowance, which is ($50).
Polycarbonate lenses are light, more impact-resistant and provide 100% UV protection. These are highly recommended, along with a scratch-resistant coating, for kids, but are also popular with adults who are active in sports. Your plan covers polycarbonate lenses for dependent children and covers ($33) for adults in network.
Photochromatic, or photochromic, lenses automatically darken when exposed to sunlight. This plan covers both glass and plastic lenses in network but the covered amount varies by prescription, option chosen and retail location.
Costco locations may offer additional savings. Please visit your local Costco Optical location for more details.

5. benefit allowances – contacts
VSP Choice Network
out-of-network
fit and follow-up exam member cost up to $60 no benefit
elective up to $ up to $105
medically necessary covered in full up to $210
FOCUS/VSP PLAN DETAILS (4 of 4) – adjust content on slide
For in network visits, members pay no more than $60 for contact fit and follow-up exams. There is no benefit for this service when visiting an out-of-network provider.
Medically necessary contacts are covered in full and elective contacts are covered up to $170 with an in network provider.
The elective contact lens benefit can be applied to disposable contacts, but the benefit dollars must be used all at once. Please note that benefits are available for only contacts OR glasses during the benefit year. In other words, you will not receive an allowance for contacts if you choose to apply your vision benefits to a new pair of lenses and/or frames during the same benefit year.
Your in network contact lens exam, fit and follow-up cost is capped at $60.
maximum member cost for contact lens exam, fit and follow-up
$60

6. additional VSP savings
remaining frame balance
20% off
or 5% off promotional price
15% off
LASIK retail price
non-covered complete prescription glasses
non-covered lens options such as UV coating & polycarbonate
20-25% off
72,100
FOCUS/VSP NETWORK AND DISCOUNTS
As a Focus plan member, you have the freedom to choose the provider that’s right for you. VSP Choice Network offers over 60,700 access points with an additional 11,400 access points at nearly 4,500 retail locations nationwide. Retail chain affiliate providers include Costco Optical, Cohen’s Fashion Optical, Rx Optical, Visionworks, Shopko Eyecare Center and SVS Vision Optical Centers.
In network, after the frame benefit is used, you receive 20% off the remaining balance. You also receive 20% off non-covered complete pairs of prescription glasses, in case you want an extra pair.
You receive an average savings of 20-25% off the most popular lens enhancements through VSP doctors and participating retail chain locations. You also get an extra $20 to spend on featured frame brands like Ann Klein, bebe, Calvin Klein, Flexon, Lacoste, Nike and Nine West.
If you choose a LASIK procedure, you will receive an average of 15% off, or 5% off a promotional price.
VSP Choice Network
access points
Based on applicable laws, reduced costs may vary by doctor location.

7. example: Jane’s annual vision costs
service
cost without insurance*
VSP insurance pays (Plan 1, in network)
Jane pays
eye exam
$154
$144
$10
single vision lenses
$86
$76
frame
$200
$130
$56 (after 20% discount)
TOTAL
$440
$350
SCENARIO: FOCUS VISION WITH GLASSES – adjust content on slide
Now let’s look at a few examples to see how Focus Plan 1 vision benefits work.
Jane has had her glasses for a while and decided to purchase new frames this year. By going to a network provider, Jane’s eye exam and single lenses are covered in full, after a $10 deductible for the exam and $25 deductible for the eyewear. The frames Jane chose are above the $100 benefit so she pays the remaining balance minus the 20% VSP member discount. Jane’s total vision expenses are $86 for the year.
check with your VSP provider for cost of services and materials
*Cost estimates from All About Vision 2016

8. example: Sam’s annual vision costs
service
cost without insurance*
VSP insurance pays (Plan 1, in network)
Sam pays
eye exam
$154
$144
$10
contact fitting
$150
$60
$90
contacts
$220
$130
TOTAL
$524
$334
$190
SCENARIO: FOCUS VISION WITH CONTACTS – adjust content on slide
Sam chose to use his benefits for contacts instead of glasses. Under this plan, when visiting a network provider, Sam’s eye exam is covered in full after a $10 deductible. The contact fitting and contact lenses are partially covered. Sam’s total vision expenses are $190.
check with your VSP provider for cost of services and materials
*Cost estimates from All About Vision 2016

9. 12 12 12 benefit frequencies months exam months lenses/contacts months
frames
VISION BENEFIT FREQUENCY
With your (Focus) plan, a vision exam is covered once every 12 months. Lenses or contacts are covered once every 12 months. And frames are covered once every 24 months. The benefits are calculated based on the date of the last service or purchase.
(if not already stated in the recording) Please note that benefits are available for only contacts OR glasses during the benefit year. In other words, you will not receive an allowance for contacts if you already chose to apply your vision benefits to a new pair of lenses and/or frames during the same benefit year.
based on date of service

10. LASIK and PRK maximum out-of-pocket LASIK $1,800 per eye
VSP offers an average discount of 15% on LASIK and PRK. In order to receive these benefits, a VSP provider must coordinate the procedure.
LASIK using Wavefront technology
$2,300 per eye
LASIK PLAN DETAILS
It’s great to work for an employer who cares enough to offer the latest benefits for your health and well-being. Your LASIK benefits give you access to a number of popular, well-established laser vision correction procedures.
Your LASIK benefits feature a maximum out-of-pocket benefit. After an average 15% discount, your maximum out-of-pocket per eye is ($1800) for LASIK, ($2300) for custom LASIK using Wavefront technology or ($1500) for PRK.
PRK
$1,500 per eye
Year 3
$1000

11. thank you
please check your highlight sheet for details, or contact your human resources department for additional information
open enrollment: Nov. 27, 2016 through Dec. 10, 2016
CLOSING SLIDE – OPEN ENROLLMENT
If you have any questions…
(Don’t include open enrollment info in audio. Slide can be switched out when enrollment is done without re-recording)
(MUST HAVE THIS IN RECORDING)
This recording is a highlight of plan benefits provided by Ameritas Life Insurance Corporation as selected by your employer. For exclusions and limitations, or a complete list of covered procedures, contact your benefits administrator.
This information is provided by Ameritas Life Insurance Corp. (Ameritas Life). Group dental, vision and hearing care products (9000 Rev , dates may vary by state) and individual dental and vision products (Indiv Ed ) are issued by Ameritas Life.
Ameritas, the bison design, "fulfilling life" and product names designated with SM or ® are service marks or registered service marks of Ameritas Life, affiliate Ameritas Holding Company or Ameritas Mutual Holding Company. All other brands are property of their respective owners. © 2016 Ameritas Mutual Holding Company.