158% Savings/Low Out-of-pocket Cost

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1 VSP delivers what consumers want. Research shows what consumers really want in a vision plan: 1 1 Savings/Low out-of-pocket cost (58%) 2 Access to all provider types (15%) 3 Ability to go to many different locations (10%) 4 Customer service (8%) 158% Savings/Low Out-of-pocket Cost Low Out-of-pocket Costs VSP Davis EyeMed UHC 2 Lowest out-of-pocket guarantee Wholesale pricing guarantee on frames Exclusive savings on the widest selection and brands of lens enhancements Polycarbonate lenses for children covered in full Exclusive rebates for new and replacement contact lenses 2 and 3 Network Access and Locations VSP Davis EyeMed UHC Largest national network of independent eye doctors Early morning, evening, and weekend appointments Access to national retail chains 4 Customer Service VSP Davis EyeMed UHC Highest overall member satisfaction 3 Highest satisfaction with Call Center 4 Rated highest on easy-to-use benefits 3 Added Value Employers Can t Get Anywhere Else Primary Eyecare PlanSM in office 24/7 urgent care available 5 Complimentary Eyecare Exam Reminder for diabetic patients Patient-specific data exchange with health plans and disease management6 Exclusive access to TruHearing and other discounts Continuity from tenured account representatives averaging 12 years with VSP Not-for-profit managed care vision company Contact your VSP representative to learn how Smarter Vision Care TM delivers the most savings, better choices, and the best service. 1. Jobson s 2012 Consumer Perceptions of Managed Vision Care 2. United Healthcare Vision (UHC), formerly known as Spectera 3. Ipsos National Vision Plan Member Research, Service Quality Management, Inc Less any applicable copay 6. HIPAA-compliant patient-specific data exchange for groups over 400 enrolled VSP is a registered trademark, and Primary Eyecare Plan is a service mark, of Vision Service Plan. All other company names and brands are trademarks or registered trademarks of their respective owners. JOB17398BR 6/14

2 Better Employee Value VSP Vision Care puts your employees first. That s why we guarantee they ll get the lowest out-of-pocket costs employees 1 priority in a vision plan. 1 Better Value Every Day As the only national not-for-profit vision company, VSP gives your employees the best value for their eyewear. Most popular lens enhancements are covered after a copay, delivering substantial savings to your employees. Wholesale Frame Guarantee means more frames are covered in full with their allowance. Employees also get 20% off frames over their allowance amount. 2 Plus, your employees automatically get an extra $20 to spend on featured frame brands like Anne Klein, bebe, Calvin Klein, Flexon, Lacoste, Nike, and Nine West. 3 Exclusive Member Extras Only VSP members can save more than $2,500 by taking advantage of exclusive rebates and special offers, including: Rebates on the most popular contact lens brands Special discounts on preferred frame brands Laser vision surgery up to $500 savings Nike-authorized prescription sunglasses average savings of $325 4 Employees also save up to $2,600 with TruHearing on each pair of digital hearing aids. 6 Employees satisfied with their benefits are 2X more loyal. 5 Visit vsp.com/specialoffers to see more ways your employees can save. 1. Jobson Research s 2012 Consumer Perceptions of Managed Vision Care Insight Survey 2. Based on applicable laws, benefits may vary by doctor location. 3. Featured frame brands include: Airlock, Altair, Anne Klein, bebe, Calvin Klein, Chloé, Diane von Furstenberg, Dragon, Emilio Pucci, Flexon, Genesis, JOE Joseph Abboud, Joseph Abboud, Karl Lagerfeld, Lacoste, Marchon NYC, Nautica, Nike, Nine West, Revlon, Salvatore Ferragamo, Sean John, Tommy Bahama, Valentino, and X Games brands subject to change. 4. Available only through VSP doctors to VSP members with applicable plan benefits. 5. MetLife 11th Annual study of Employee Benefits Trends, TruHearing savings compared to national average retail prices on state-ofthe-art digital hearing aids. VSP is a registered trademark of Vision Service Plan. All other company names and brands are trademarks or registered trademarks of their respective owners. JOB 16244CL 9/14

3 The Real Cost of Vision Care While it s important to look at premium costs, you shouldn t lose sight of out-of-pocket costs in a vision plan. 1 Could your vision plan be taking money out of your National retail pricing research demonstrated that the same glasses cost substantially less with VSP than with other vision coverage. 1 PRIORITY in a vision plan is low out-of-pocket costs. Look beyond the premium and see the real cost of vision.

4 1. Jobson s 2012 Consumer Perceptions of Managed Vision Care 2. Study was commissioned by VSP and conducted from November to December Study sample consisted of randomly selected, geographically representative shops nearly 850 private-practice independent doctor locations and nearly 450 retail chain locations. VSP, Vision care for life, VSP Signature Plan, and VSP Choice Plan are registered trademarks of Vision Service Plan. All other company names and brands are trademarks or registered trademarks of their respective owners. JOB14829CL 10/13

5 Keep your eyes healthy with VSP Vision Care. As a member, VSP puts you first by investing in the things you value most high-quality vision care at the best value. Because we re the only national, not-for-profit vision care company, you can trust that we ll always put your wellness over profit. Regular eye exams are important. With VSP you get the highest level of care, including a WellVision Exam the industry s most thorough eye exam, designed to detect signs of health conditions like diabetes and high blood pressure. Using your VSP benefit is easy. Receive eyecare and eyewear at the location that s right for you. Visit a VSP doctor or any other provider. With the best choice in eyewear, it s easy to find a frame that s right for you and your budget. Choose from great brands like bebe, ck Calvin Klein, Flexon, Lacoste, Michael Kors, Nike, Nine West, and more. To find a VSP doctor who carries your favorite brands, visit vsp.com. Review your benefit information. Before your appointment, visit vsp.com or call to review your benefit information and Exclusive Member Extras like special offers and rebates. At your appointment, tell them you have VSP. There s no ID card necessary. That s it! We ll handle the rest there are no claim forms to complete when you see a VSP doctor. See why we re consumers 1 choice in vision care.* Contact us. vsp.com Satisfaction Guarantee If you re not 100% happy with the eyecare and eyewear you receive from a VSP doctor, we ll make it right. *Ipsos National Vision Plan Member Research, 2012 VSP, VSP Vision care for life, and WellVision Exam are registered trademarks of Vision Service Plan. JOB16070CM 3/14

6 Big Value. More Savings with VSP Vision Care. With Exclusive Member Extras, savings never looked so good. We put our members first by providing exclusive special offers from VSP and leading industry brands, totaling more than $2,500 in savings. Extra $20 to spend on featured frame brands like Anne Klein, bebe, Calvin Klein, Flexon, Lacoste, Nike, Nine West, and more. 1,3 Mail-in rebate savings and free trials on Bausch + Lomb contacts EXTRA $20 TO SPEND Average savings of $325 on Nike-authorized prescription sunglasses 2,3 Up to 50% savings on UNITY digital lenses 2,3 Up to 40% savings on sunsync TM - lenses that adapt to your environment 2,3 Up to $500 savings on LASIK Savings of up to $2,400 on a pair of digital hearing aids and savings on batteries for you and your extended family members through TruHearing 4 For more great offers, scan or visit vsp.com/specialoffers. 1. Brands/promotion subject to change 2. Savings based on doctor s retail price and vary by plan and purchase selection; average savings determined after benefits are applied. 3. Available only to VSP members with applicable plan benefits. 4. Savings compared to national average retail prices on state-of-the-art digital hearing aids; offer not available in WA VSP and UNITY are registered trademarks, and sunsync is a trademark, of Vision Service Plan. Flexon is a registered trademark of Marchon Eyewear, Inc. All other brands are trademarks or service marks of their respective owners. JOB17318XA 6/14

7 VSP puts our members first by delivering the best value through Exclusive Member Extras, like an extra $20* to spend on featured frame brands. Find a doctor who carries these brands at vsp.com. Scan for more information or go to vsp.com/specialoffers. $ 20 GET AN EXTRA TO SPEND ON FEATURED FRAME BRANDS Choose a style from one of these brands and $20 will automatically be applied to your purchase when you use your benefits. Featured frame brands include: Airlock Altair Anne Klein bebe Calvin Klein Collection Calvin Klein Chloé Diane von Furstenberg Dragon Flexon Genesis G-STAR RAW JOE Joseph Abboud Joseph Abboud Karl Lagerfeld Lacoste MarchoNYC Nautica Nike Nine West Revlon Salvatore Ferragamo Sean John Sight for Students Sunlites TM Tommy Bahama Valentino X Games Available only to VSP members with applicable plan benefits. Frame brands subject to change. Expires 12/31/15 *Extra $20 to spend is in addition to your allowance. Check your frame coverage section in My Benefits at vsp.com to see if this offer applies. VSP is a registered trademark of Vision Service Plan. MarchoNYC and Flexon are registered trademarks of Marchon Eyewear, Inc. All other brands or marks are the property of their respective owners. JOB17414CM 6/14

8 Smarter Vision Care Doubles as Preventive Medicine As the only national not-for-profit in vision care, VSP puts your employees first by helping to keep them healthy through earlier detection of chronic conditions like diabetes. Diabetes is expensive Diabetes prevalence is growing to epidemic proportions. For every 100 employees, 17 will have diabetes by 2015, costing you $47,400 in the first two years after identification. 1 <6% 6-7% 8-9% 10-11% 12-13% 14-15% 16-17% 18-19% VSP helps you take control Better Access More VSP members get a WellVision Exam so you get 6X the opportunity for earlier detection. 2 Earlier Detection VSP doctors detect signs of diabetes before other healthcare providers 34% of the time. 3 Proactive Engagement After VSP sends complimentary reminders to employees with diabetes, 22% more return for an exam. Lower Healthcare Costs You save $2,787 over two years for every employee who seeks medical care for diabetes after a WellVision Exam. 3 Improve employee health and productivity, and lower healthcare costs with Smarter Vision Care from VSP. 1. Institute for Alternative Futures; 2. American Journal of Preventive Medicine 2012, 42, Issue 2:164-73; VSP utilization data 3. Human Capital Management Services, Inc. (HCMS) on behalf of VSP, 2013 VSP and WellVision Exam are registered trademarks, and Smarter Vision Care is a trademark of Vision Service Plan. JOB14948BR 1/14

9 TruHearing Hearing Aid Discount Program VSP Vision Care members can save up to $2,400 on a pair of digital hearing aids. Dependents and even extended family members are eligible for exclusive savings, too. Hearing loss is growing in the workplace. Like vision loss, hearing loss can have a huge impact on productivity and overall quality of life. Unfortunately, of the 30 million people who need hearing aids, only one in five has them. Cost is often a major factor. 96% of customers surveyed would recommend TruHearing to their friends and family.* More Than Just Great Pricing TruHearing also provides members with: 3 provider visits for fitting, adjustments, and cleanings A 45-day money back guarantee 3-year manufacturer s warranty for repairs and one-time loss and damage 48 free batteries per hearing aid Plus, members get: Access to a national network of more than 4,500 licensed hearing aid professionals Straight-forward, nationally fixed pricing on more than 90 digital hearing aids in 400 styles from five of the seven industry-leading brands Deep discounts on replacement batteries shipped directly to their door Best of all, if your organization already offers a hearing aid benefit, members can combine it with this program to maximize the benefit and reduce their out-of-pocket expense. Here s how it works: 1. Members call TruHearing. Members and their family call and mention VSP. 2. Schedule exam. TruHearing will answer questions and schedule a hearing exam with a local provider. 3. Attend appointment. The provider will make a recommendation, order the hearing aids through TruHearing and fit them for the member. Learn more about this VSP Exclusive Member Extra at vsp.truhearing.com. Or, call with questions. *Based on a 2013 satisfaction study of VSP members. The relationship between VSP and TruHearing is that of independent contractors. VSP makes no endorsement, representations, or warranties regarding any products or services offered by TruHearing, a third-party vendor. The vendor is solely responsible for the products or services offered by them. If you have any questions regarding the services offered here, you should contact the vendor directly. Offer not available in WA. VSP is a registered trademark of Vision Service Plan. All other brands or marks are the property of their respective owners. JOB17348CM 7/14

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