Vision Coverage for the Employees of: University of North Alabama

Effective June 1,2009

Thank you for considering HumanaVision plans. Let us help

preserve and improve your sight.

The choice for vision care is clearly simple: HumanaVision plans.

One price. HumanaVision plans make eye care affordable. Benefits are the same at all participating providers in the network, no matter where they're located or what their typical retail charges are. Wholesale pricing ensures affordable frames, lens options and upgrades for all members at the same price.

More choices, more convenience. You have access to one of the largest vision networks in the United States, with more than 22,500 participating optometrists and ophthalmologists. Every one accepts new patients, and many have evening and weekend hours.

HUMANA.

Service excellence. We make it easy for your employees, too. They can: o Call Humana Customer Care at 1-866-537-0229 from

8 a.m. - 8 p.m. Monday - Thursday and 8 a.m. - 6 p.m. Friday, Eastern time.

o View benefits, check claims and access other services at HumanaVisionCare.com.

Humana will add tremendous value to your benefits package.

Proprietary to Humana Insurance Company

HUMANA. Specialty Benefits

Focus on wellness

With all of the choices available regarding your benefits, vision care is a relatively simple yet valuable benefit, and is important for your well-being and overall health. Humana is dedicated to preserving employees' eye health and wellness, while focusing on choice and value.

Early detection of vision problems is critical The leading causes of irreversible blindness-glaucoma, diabetic retinopathy, cataracts, and muscular degeneration-advance without pain and other symptoms in their earliest stages. Eighty percent of the world's blindness is preventable, according to the lnternational Agency for the Prevention of Blindness.

Focusing on the facts of vision P A vision plan is one of the top five most-desired benefits, after medical insurance, by employees . I

P More than 75 percent of U.S. residents between age 25 and 64 require some sort of vision correction.' P Vision problems affect 120 million ~mericans.~ P More than 70 percent of Americans reported loss of eyesight as "1 0" on a scale of 1 - 10, with 10

being the worst thing that could happen to them. It means a loss of independence, mobility and quality of life.4

Vision health impacts overall health Periodic eye examinations are an important part of routine preventive healthcare. Because many eye and vision conditions have no obvious symptoms, our employees may be unaware of problems. Early diagnosis and treatment are important for maintaining good vision and preventing permanent vision loss.' Eye exams can detect symptoms of diseases such as diabetes, hypertension, multiple sclerosis, brain tumors, osteoporosis and rheumatoid a r t h n t i ~ . ~

' LMRA International Jobson's Optical Research ' Vision Council of America

National Eye Institute and Lions Clubs International Foundation American Optometric Association Thompson Media Inc.

Employee Rates:

Employee Only $ 4.44 $ 8.88

I Employee + Family $11.88 $23.76 I

Proprietary to Humana Insurance Company

* Material co-pay is required for a complete palr of eyeglasses, lenses or frames. ** I f a member prefers contact lenses, the plan provides an allowance for contacts in lleu of lenses.

Vision care services

Exam/materials co-pay*

Exam with dilation as necessary 100% after co-pay $35 allowance

Wholesale frame allowance $100-$150 approximate retail value

Lenses Single vision Blfocal Trifocal Progressive (levels 1-4)

Frames

Contact lenses* * Elective (conventional and disposable) Medically necessary

Frequency (based on date of service) Examination Lenses or contact lenses Frame

Retail value may dlffer and Is based on two to three tlmes the wholesale cost.

How does the wholesale frame allowance work?

100% after co-pay 100% after co-pay 100% after co-pay 100% after co-pay

$50 wholesale frame allowance

$150 Contact lens allowance 100%

Once every 12 months Once every 12 months Once every 24 months

Benefits include a wholesale frame allowance. I f the wholesale cost exceeds the frame allowance, members pay twice the wholesale difference. They never pay full retail. - -

$25 allowance $40 allowance $60 allowance Not Covered

$40 retail allowance

$150 Contact lens allowance $210 allowance

Once every 12 months Once every 12 months Once every 24 months

Lasik and PRK procedures Members receive substantial reductions when procedures are done by network providers. Members can expect to pay no more than $1,800 per eye for conventional Lasik procedures and $2,300 per eye for custom Lasik or they can use designated TLC Vision Lasik Advantage Centers that have the following fixed prices:

Conventional Lasik Custom Lasik Custom Lasik with IntraLase

$ 895 per eye $1,295 per eye $1,895 per eye

Additional plan discounts Members receive additional fixed co-payments on lens options including: anti-reflective and scratch-resistant coating, etc. The contact lens allowance applies to professional services (evaluation and fitting fee) and materials. Members receive a 15% discount on professional services. The discount for professional services is available for 12 months after the covered eye exam. Members also receive a 20% retail discount on a second pair of eyeglasses. This discount is available for 12 months after the covered eye exam and available through the VCP network provider who sold the initial pair of eyeglasses. After co-pay, standard polycarbonate available a t no charge for dependents less than 19 years old.

Proprietary to Humana Insurance Company

Progressive lenses are covered in full with your materials

Lens Type Level 1 Progressive Level 2 Progressive Level 3 Progressive Level 4 Progressive

Average Multi focal Cost - Retail Your Cost with vision plan $165.00 $20 Materials co-payment $1 80.00 $20 Materials co-payment $1 90.00 $20 Materials co-payment $295.00 $20 Materials co-payment

HUMANA.

Progressive Availability Level 1 Image Kodak Navigator Navigator Short

Level 2 A 0 Compact A 0 Omni Essilor Natural Kodak Concise Pentax AF Pentax AF Mini Silor Adaptar Sola Max VIP XL Hoyalux GP

Level 3 A 0 Outlook Essilor Ovation Kodak Precise Rodenstock AT Rodenstock XS Sola Percepta Varilux Comfort Varilux Liberty Zeiss Gradal Top Hoyalux Wide

Level 4 A 0 B'Active Hoya Summit CD Hoya Summit ecp Hyperview KbCo Fusion 2 KbCo Fusion 1 Rodenstock Life 2 Varilux Eclipse Varilux Panamic

HUMANA.

You can save money two ways with VisionCare

First, the cost of plan services and materials is discounted and prepaid. So except for any copays, you have no out-of-pocket expenses for covered services and supplies. Second, if you are under a Section 125 program you pay for coverage on a pre-fax basis. Your coverage costs are deducted from your pay before any federal income or FICA taxes are taken out. This makes your taxable wage base lower, so you would pay less tax. Here's an example of how the plan helps you save over the course of a year:

If You Get: Eye exam Frame (fashion style) Lenses: Varilux Comfort Progressive Bifocals* Option (pink tint # I or #2) Copayment: $20 examl$20 materials Premium ($8.88 per month x 12 months)

Total Cost Pre-tax payment: Tax savings (assuming 18% tax bracket & 7.65% FICA)

Net Cost

You Pav: VisionCare Doctor Typical Retail*

0 $ 85.00 0 $120.00 0 $1 90.00 0 $ 15.00

$40.00 lVlA $1 06.56 NIA $146.56 $410.00

YOUR TOTAL SAVINGS THROUGH VISIONCARE: 70% OFF RETAIL

In this example, you would have saved $290.77 in vision care costs with VisionCare Plan. Keep in mind, however, that your actual savings will depend on your plan allowances, your actual premium, the doctors and materials you select, and your own tax situation.

Vision health impacts overall health Routine eye exanis can lead to early detection of vision problen~s and other diseases such as diabetes, hypertension, multiple sclerosis, high blood pressure, osteoporosis, and rheumatoid arthritis.'

I Thornpso~i Media lnc.

Use your HumanaVision VCP benefits HumanaVisionVCP options have you covered and make eye care affordable.You have access to one of the largest vision networks in the United States, with more than 22,500 participating optometrist and ophthalmologists. In addition you'll enjoy:

> The same benefits at aU participating providers, no matter where they're located

> Wholesale pricing on frames, avoiding high retail markups

> Simple access to plan information, provider search, Custonler Care and other automated services at HumanaVisionCare.com

How it Works 1. After signing up for thevision Care Plan, members

will receive an ID card in the mail 2. Prior to scheduling your appointment, select a

network provider through the Custonier Care Center, autonnted information line, or HumanaVisionCare.com

3. Schedule an appointnient, providing your name, the patient's name and employer

4. Sign your provider'sVCP form after your exam, you'll pay any copayments and/or costs of any upgrades at this time

Questions? Check out HurnanaVisionCare.com

Call Customer Care at 1-866-537-0229 from 8 a.m. - 8 p.m., Monday - Thursday,

and 8 a.m. - 6 p.m. Friday, Eastern time.

Know what your plan covers Attached is a summary of HumanaVisioliVCP benefits that are described in detail in your certificate.You can find your certificate on HumanaVisionCare.com or call 1-866-537-0229, Here's what you can expect:

> Quality routine eye health care from independent eye care professionals

> Services and materials provided on a prepaid basis, and the plan pays in-network providers directly, you also have the fieedom to use out-of-network providers if you prefer

> Life without claim forms! With HuinanaVision VCP, you pay your eye care professional directly for copayments and any extra cosmetic options selected at the time of service

> Select a vision provider from our network simply by visiting HumanaVisionCare.com, if you prefer, call us at 1-866-537-0229

Know what your plan doesn't cover Some items and services not included in HumanaVisionVCP are:

> Orthoptics or vision training, subnormal vision aids or Plano (non-prescription) lenses

> Replacement of lost or broken lenses, except at the regularly-scheduled plan intervals

) Medical or surgical treatment of eyes

> Care provided through or required by any government agency or program, including Workers' Compellsation or a similar law

Specialty Benejts

Vision products insured by Humana Insurance Company or CompBenefits Insurance Company

This is not a complete disclosure of plan qualifications and limitations. Check with your local Humana or HumanaDental sales office to verify product availability.

HUMANA INSURANCE COMPANY VISION PROVIDERS FOR THE STATE OF ALABAMA

The pmvlders llsed In lhls brochure were partlclpallng wllh Ule plan a1 lhe tlme of prlnling. Please check wlth the doctor of your cholce or call our Customer Care department at 1-800-749-5855 when maklng your appoinlmenl to make certaln he or she Is currently a member doctor. You may visit our webslte at w.compbenefl ts.wm for a nalionwlde llsllng of prwlden.

You must recelve servlces from oneof our partlcipating pmvlders In order to recelm full beneflls (as oullllwd In your vklon care bwklel). If you recelve service fmm a pmvlderwho does not parllclpale In the plan, you wlll receive reimbursement acmrdlng to the non-panel relrnbursement schedule eslablished by your gmup.

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