Vision Insurance Plan Year 2013 Optum Health Vision/Spectera

February APRIL 2010 Vision – Spectera Branding name will change from OptumHealth to Spectera Select Plus Plan will have the following enhancements: – Frequency of frames will change to once every 12 months – Frame allowance of $150 is provided for private practice or retail chain providers – Standard contact lenses will have a $200 allowance – Allow up to 8 boxes of standard, disposable lenses Out-of-network allowance for contact lenses will increase to $200 under the Select Plus Plan Plan Design/Premium Changes for AE 2013

February APRIL 2010 Vision – Spectera New premium rate structure for the Select Plus Plan – You Only $8.62 – You + Spouse $18.61 – You + Child $19.45 – You + Family $26.35 Plan Design/Premium Changes for AE 2013 Admin fee is included in amount

February APRIL 2010 Vision  Coverage level available:  4 Tier Structure  Employee,  Employee+Child,  Employee+Spouse,  Family  Pre-tax premiums  Network of eye care providers  Benefits available for in-network & out-of-network services

February APRIL 2010 Vision  Frequency:  Routine Eye Exams: every 12 months  Lenses: every 12 months  Frames: every 24 months  Contacts: every 12 months

February APRIL 2010 Vision Insurance Vision $50 Wholesale allowance for Private Practice providers will be replaced with $130 Retail allowance – Participants will know how much they are required to spend – Participants will have more freedom of choice between Retail providers and Private Practice providers Online ID cards will be provided for Participants – Participants log in to web site: – ID cards can be printed for employee or family members – Log in with the employee’s identification number, enter the dependent’s last name and Date of Birth – No limit to the number of cards which can be printed

February APRIL 2010 Vision Select Plan  Vision Insurance (Select Plan) operates the same way as the Current Plan  Frequency and co-pays are the same  In-network Benefits are the same  Out-of-Network Reimbursements are the same

February APRIL 2010 Vision Select Plus Plan  Vision Insurance (Select Plus Plan) operates the same as the Select Plan with additional enhancements:  Higher maximum for contact lenses: $125  Cosmetic lens options (i.e. Tints, UV coating, Basic Progressive, Polycarbonate) are covered  Glasses/frames/contacts co-pay for Select Plus Plan is $25

February APRIL 2010 Benefits Chart * Only a one time $20 material copay applies per benefit period.

February APRIL 2010 Benefits Chart * Only a one time $20 material copay applies per benefit period.

February APRIL 2010 Benefits Chart * Only a one time $20 material copay applies per benefit period.

February APRIL 2010 Medically Necessary contacts  OptumHealth Vision must establish that an eligible member has any of the following:  Keratoconus or irregular astigmatism  Anisometropia of 3.50 diopters or more  Post cataract surgery without intraocular lens  Visual acuity in the better eye of less than 20/70 with spectacles, but better than 20/70 with contacts

February APRIL 2010 Benefits Chart

February APRIL 2010 Reminders  If you use in-network providers, you are responsible only for your portion of cost.  If you decide to use a non-network provider, you pay everything and seek the out-of-network benefits payments schedule  Payment is made at the time of service  To be reimbursed for an non-network service, receipts must be submitted to OptumHealth  Receipts must be submitted together for services and materials purchased on different dates to receive reimbursement