Humana Vision. Humana.com. VCP Network GCHHDB7HH 1213

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1 Humana Vision VCP Network Humana.com GCHHDB7HH 1213

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3 See things more clearly with a Humana vision plan. Offering a vision plan not only promotes good vision health, but may also reduce total healthcare costs over time. A thorough eye health exam can help prevent vision loss, and also detect more serious diseases. You can feel good knowing Humana vision plans encourage prevention, early diagnosis, and treatment. Offer a Humana vision plan at little or no additional cost to your benefits budget. Add vision to your Humana medical or dental plan and save with our multiline discounts. Our unique network is one of the largest with more than 35,000 participating optometrist, ophthalmologist, and national retail locations. Your employees may be eligible for discounts, no matter which in-network provider they choose. Plus, they may also receive discounts on Lasik procedures. There are lots of frame choices with access to exclusive lines of designer frames, such as, Ralph Lauren, Dolce&Gabbana, Oakley, Prada, and Ray-Ban. Your employees can take care of eye exams and frames all in one visit. Many locations offer night and weekend appointments to fit your schedule. A vision plan is one of the top five most desired benefits, after medical insurance, by employees, according to LIMRA International.

4 See the difference with Humana s national network. Humana offers two vision plans: The VCP Plan includes a comprehensive eye health exam, fixed pricing on lenses, wholesales frame allowance, and contact lens allowance Exam Plus is a low premium plan that covers exams and offers discounts on lenses, frames, and contacts. Examples are for illustration only. Retail costs may differ and are based on 2½ times the wholesale cost. Actual savings may vary. Your employees have access to one of the largest vision networks in the United States, with more than 35,000 participating provider locations. They ll be able to use their benefits at some of the top names in eye care, including LensCrafters, Pearle Vision, Sears Optical, Target Optical, and JCPenney Optical in addition to the many independent optometrists and ophthalmologists. Plus, your employees save on eyewear. With the VCP Plan, their out of pocket cost is based on wholesale pricing for frames, avoiding high retail markups, and may benefit with fixed pricing for most lens options including anti-reflective and scratch-resistant coatings. What does this mean to your employees? With fixed pricing, employees may pay the same price for eyewear at any provider location. How the VCP Plan works As an example, Jason s annual vision expenses without a vision care plan were about $789. With Humana s vision plan, he can save approximately 65 percent off the total retail cost. Here s how: Retail cost Member cost Savings with VCP Exam $95 $10 copayment $85 Frames (Jason has a $50 wholesale frame allowance) Varilux Comfort (progressive lenses) Crizal Advance TM (anti-reflective coating) Transitions lenses (photochromic lenses) $125 $0 $125 $250 $94 $156 $199 $85 $114 $120 $88 $32 Total $789 $277 $512 JCPenney Optical

5 Technology is evolving. So is Humana. It s a new world out there, and Humana is part of it. We give your employees instant access to their benefits through the latest technology from our award-winning MyHumana mobile app to our Stay Smart Stay Healthy videos on YouTube. We also provide interactive tools that help them to make smart buying decisions. And you get the latest news and information in the office or on the go. The latest ways to keep employees up to date Stay Smart Stay Healthy videos on YouTube. Fun, interactive, educational videos with millions of views Social networking. Employees can get healthy living tips and updates from Humana through Facebook MyHumana. Employees can check claims, get benefits details, and more online or on the go with this member site templates and Web banners. You can customize s with links to videos, and post Web banners on your company site to promote employee benefits information Educational videos. Show your employees the benefit of a vision plan and how it could help them and their overall vision health Virtual guidance tools. Self-paced tools show your employees important information based on their responses to help them make informed benefits choices Online news. Humana newsletters for members and employers Learn more with the click of a button at Humana.com/vbtools.

6 Humana vision plans at a glance VCP plan Cost savings on eye exams, frames, and lenses, or contact lenses. Includes a comprehensive eye health exam once every 12 months for just a copayment Employees may receive additional fixed copayments on lens options to provide savings for retail prices. potential for 40 percent or more in savings Contact lens allowances Frames are available with a wholesale frame allowance avoiding high retail markups and providing benefit consistency Employees may be eligible to receive up to a 20 percent retail discount on a second pair of eyeglasses Employees may receive a 10% discount from retail prices at certain independent Lasik participating providers Exam Plus Low premium plan that covers exams and offers discounts on lenses, frames, and contacts. $10 comprehensive eye exam every 12 months Employees may be eligible to receive up to a 20 percent retail discount on lenses and frames Employees visiting a participating provider may be eligible to receive up to a 15 percent discount Employees may receive a 10% discount from retail prices at certain independent Lasik participating providers Insured by Humana Insurance Company, HumanaDental Insurance Company, Humana Insurance Company of New York, or The Dental Concern, Inc. This is not a complete disclosure of the plan qualifications and limitations. Specific limitations and exclusions as contained in the Regulatory and Technical Information Guide will be provided by the agent/broker. Please review this information before applying for coverage. The amount of benefits provided depends on the plan selected. Premiums will vary according to the plan selection. GCHHDB7HH 1213