VISION PLAN

Our Coast to Coast Vision Plan has contracted with over 12,000 eyecare locations nationwide. Members save on eyeglasses, contacts, non-prescription sunglasses, eye exams and surgical procedures.

The Coast to Coast provider network is the most comprehensive in the U.S. and includes ophthalmologists, optometrists, independent optical centers and national chain locations such as LensCrafters, Pearle Vision, JCPenney Optical, Sears Optical, Target Optical, and Eyemasters. This benefit is available as a single benefit or on a complimentary basis when you become a member of the PREMIER OPTION Dental Plan.

Plan Overview...

• Savings of 20% to 60% on prescription eyewear.
• Our contact lens mail order service saves you 10% to 40%
• Also, save 10% to 20% on contact lenses (excluding disposables) at participating retail locations.
• Savings of 10% to 30% on eye exams.
• Save 40% to 50% off the overall national average on LASIK surgery (PRK and CK available at select locations).
• Most frames, lenses and specialty items such as tints, coatings and UV protection are available.
• No limit on the number of times membership may be used during the year.
• Two guarantees - 30 day unconditional money-back satisfaction guarantee and low price guarantee on eyeglasses
• Members may nominate their own eye care professional to join the network.

Vision Benefit is not available to VT residents.

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To locate a provider online, click here.

OPTHAMALOGY AND LASER SURGERY

Savings of 10% to 30% on eye exams and surgical procedures, including LASIK where available. Through QualSight, you may save 40% to 50% off the overall national average on LASIK surgery (PRK and CK available at select locations).

We contract with ophthalmologists (M.D.s) in selected markets across the country to provide you with discounts on eyeglasses, contact lenses, eye exams, and surgical procedures (including PRK and LASIK surgery) where available. If there is not an ophthalmologist in your area, you may give the doctor's name, address, and phone number to our representative and your doctor will be invited to join the program.

In keeping with our tradition of utilizing both chain and independent providers, we contract with national chains of laser surgery centers to provide discounts on refractive laser surgery. In addition, we contract with independent ophthalmologists who also provide discounts on refractive surgery.

MAIL ORDER CONTACTS

Members receive greater savings on contact lenses through our mail order program. Members simply call a toll-free number for price quotes and to place an order. Most orders are received within 7 to 14 days.

Highlights...

• Savings of 10% to 40% through the mail order services.
• Most major brands of contact lenses are available, including disposables, torics, bifocals and gas permeable lenses.
• All valid prescriptions are kept on file for reorder purchases.
• No limit on the number of times the membership may be used during the year

VISION CARE MAJOR CHAINS

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VISION FAQs

Q. What is the vision benefit? Does it include eye exams? Does it include contact lenses?
A. The vision benefit offers 10% to 60% discounts on eyewear and eye care at more than 12,000 optical locations throughout the United States. Providers include national optical chains such as LensCrafters, Pearle Vision, EyeMasters, JCPenney, and Sears as well as regional chains and thousands of independent practitioners. Often many participating locations offer discounts of 10% on eye exams for both eye glasses and contact lenses. Additionally, the ophthalmology portion of the network offers 10% to 30% discounts on eye exams and surgical procedures, including the popular laser surgeries in select markets.

On average, members receive a 20% discount on replacement contact lenses (excluding disposable lenses) at retail locations. Members may elect to use the mail order service to purchase replacement contact lenses (including disposables) at a 10% to 40% discount.

Q. Can Coast To Coast (CTC) be purchased separately or as a stand-alone benefit?
A. Yes. This plan is available either by itself or as a complimentary benefit when you enroll in the PREMIER OPTION Dental Plan.

Q. Is CTC an insurance plan?
A. No. CTC is a discount eyewear and eye care program. There is no paperwork. The participating retail optical locations will give the discount at the time of the purchase.

Q. Can members use CTC if they already have vision insurance?
A. Yes. In most cases CTC can be utilized to eliminate or reduce the deductible. Once the insurance benefit has been exhausted, members may use their discount to buy additional pairs of glasses or contacts.

Q. Is there a limit on the number of times the benefit can be used?
A. There is no limit on the number of times the member or family member can take advantage of the savings provided by CTC.

Q. Does the CTC discount include family members?
A. It includes the member, their spouse and all legal dependents.

Q. What is included with CTC membership?
A. Prescription glasses and contact lenses are discounted 20% to 60% in most cases. Eye exams and surgery are discounted 10% to 30% where available.

Q. Why does the discount vary from 10% to 60%?
A. Many variables go into the calculation of the discount such as market demographics, location, hours of operation, one-hour service capability and level of retail mark-up.
Example - a chain provider in a major metropolitan mall, open seven days a week, 10 hours a day with an on-site lab, will more than likely have a different mark-up than an independent practitioner in a rural community. However, members will pay almost exactly the same price for the exact same materials regardless of where the purchase is made. Only the percentage of discount off retail may vary.

Q. Can members receive the discount at any optical location?
A. No. Members must go to an optical location that is contracted with Coast to Coast Vision to receive a discount. Our providers include national, regional and local chains as well as thousands of independent professionals.

Q. What is a dispensing fee?
A. The dispensing fee is the amount of money that is added to the provider's wholesale acquisition cost of materials. It is generally the only profit made by the provider on your purchase.

Q. Is the eye exam discounted?
A. Yes, at approximately 4,000 of our 12,000 locations nationwide. Our member service representatives can tell you which locations discount eye exams in your area.

Q. What do I do when I get to the location to get my discount?
A. All you need to do to receive your discount is show the provider your membership card and tell them you are with Coast to Coast Vision. It is very important that you mention Coast to Coast Vision Plan to ensure a discount at the time of purchase.

Q. Do I get the discount if the store is running a sale?
A. The location will not combine our contracted discount with the sale price. However, in most cases, the Coast to Coast price will be better than the sale price.

Q. Do the retail locations mark up the merchandise to give me the discount?
A. No, you receive the discount because CTC brings the buying power of over 10 million members to the optical retailers participating with us.

Q. How do I get my eye doctor or optician on the Coast To Coast network?
A. If you wish to refer your doctor to the Coast to Coast network, just give us their name, address and phone number and we will contact them about becoming a provider. If your practitioner does not wish to join the plan, you can still use him/her for your eye exam. Simply take your prescription to one of our participating providers to receive your discount on glasses or contact lenses.

Q. How can I be guaranteed the greatest savings on contact lenses for me and for my husband?
A. Although members receive a 10% to 20% discount when purchasing replacement contact lenses at participating optical centers, the greatest savings and selection for contact lenses is often offered through the mail order program. Replacement contact lenses are discounted at 10% to 40% below retail.

Q. Can I purchase disposable contact lenses at a discount through a participating optical center?
A. No. Disposable lenses are generally priced as "loss leaders" at the retail stores. However, members can use the mail order contact lens program to receive discounts when ordering disposable lenses.

Q. What if my contact lenses are destroyed while I'm on vacation?
A. Simply call the toll-free number on the back of your membership card. The patient registration keeps your prescription on file until it expires and we can send your replacements overnight to you almost anywhere in the world.

Here's what makes us better...

Our providers include independent practitioners, regional chains, department store opticals, and the largest chains in the United States (LensCrafters and Pearle Vision), giving members the widest variety of choice, 24-hour phone and Internet access for locating a participating retail provider.

30-day Guarantee: If for any reason a member is not satisfied with a purchase at the retail locations or through the mail, the merchandise may be returned within 30 days for exchange or full refund. Additionally, if a member finds a lower price anywhere else on the exact same complete pair of prescription eyeglasses purchased at a participating location within 30 days of purchase, the difference will be cheerfully refunded.

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STATISTICS

Approximately 168.5 million U.S. residents use vision correction such as eyeglasses or contact lenses, representing 75% of the country's total adult population. - VisionWatch (Jobson Medical Information LLC and Vision Council of America), June 2006

"More than half of Americans have vision problems or impairments of some sort, and nearly 40 percent fear they can't afford adequate treatment, according to a recent survey commissioned by insurer Aflac."  - The Central New York Business Journal, 2005

"Every seven minutes, someone in America will become blind or visually impaired." - American Foundation for the Blind - 2005

"In 1994-95, there were approximately 1.3 million Americans who reported legal blindness. Of these individuals, 80% had some "useful vision". The other 20% had only light perception or less vision. Half of these individuals were totally blind that is, had no light perception." - American Foundation for the Blind - 2005

"More than 28 million Americans over age 40 have eye ailments that put them at risk for vision loss and blindness, researchers say, warning that the numbers will surge as the population ages." - Arch. Ophthalmol. 122:546-551, 2004 Apr. Roy, M.S., Klein, R., O'Colmain, B.J., Klein, B,E.K., Moss, S.E., Kempen, J.H.

"Up to 25 percent of school-age children may have vision problems that can affect learning, but only 14 percent of children receive a comprehensive eye exam before starting school. Nearly 10 million kids have undetected vision problems." - College of Optometrists in Vision Development, August 2004

COST SAVINGS EXAMPLES