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Watch our videoHow vision insurance can helpyou see clearly as you get older.VisioninsuranceVision insurance helps protect thehealth of your eyes by providing coveragefor benefits that often aren’t coveredby regular medical insurance.Protecting your eyesight means allowing for routine visitsto the optometrist for eye exams, as well as coverage forglasses and contacts. Make sure your eyes remain in greatshapeatanyage–nomatterhowmuchtimeyouspendstaring at digital screens.Who is it for?Even if you have perfect eyesight, it’s important to have regular eye examsto make sure you’re still seeing clearly. Most of us may eventually needvision correction, which is why we offer vision insurance to cover some ofthe costs.What does it cover?Vision insurance covers benefits not typically included in medical insuranceplans. It covers things like routine eye exams, allowances towards thepurchase of eyeglasses and contact lenses, as well as discounts oncorrective Lasik surgery.Why should I consider it?Regular eye exams can detect more than failing eyesight, they can also pickup diseases like glaucoma and diabetes. Vision problems are one of themost prevalent disabilities in the United States, making vision insuranceespecially useful for anyone who regularly needs to purchase eyeglasses orcontacts, or anyone who simply wants to help protect their eyesight andgeneral health.You will receive these benefits if you meet the conditions listed in the policy.20/20 coverageDavid notices that his vision isdeteriorating. He goes in for an eyeexam, and is diagnosed with myopia,which means he needs glasses.Average cost of vision exam: $171Average cost of frames andlenses: $350Total cost: $521With a Vision policy from Guardian,David pays just $10 for his eye exam.After $25 in copay, his lenses are fullycovered, and he pays $96 for hisframes.David’s total out-of-pocket expenseis $131, saving him $390.This example is for illustrativepurposes only. Your plan’s coveragemay vary. See your plan’s informationon the following pages for specificamounts and details.GUARDIAN® is a registered trademark of The Guardian Life Insurance Company of AmericaKGM Kit created 11/14/2022All Eligible Employees Group number:000441272020-104313 (07/22)3

Your vision coverageGUARDIAN® is a registered trademark of The Guardian Life Insurance Company of AmericaKGM Kit created 11/14/2022All Eligible Employees Groupnumber: 00044127Option 1: Significant out-of-pocket savings available with your Full Feature plan by visiting one of VSP’s network locations,including one of the largest private practice provider networks, Visionworks and contracted Pearle Vision locations.Your Vision PlanFull FeatureYour Network is VSP Choice NetworkCopayExams Copay $ 10Materials Copay (waived for elective contact lenses) $10Sample o f Covered Services You pay (after copay if app licable):In-network Out-of-networkEye Exams $0 Amount over $39Single Vision Lenses $0 Amount over $ 23Lined Bifocal Lenses $0 Amount over $37Lined Trifocal Lenses $0 Amount over $49Lenticular L ens es $0 Amount over $64Frames 80% of amount over $150¹ Amount over $46Costco , Walmart and Sam's Club Frame Allowanc eAmount over $80Contact Lenses (Elective) Amount over $150 Amount over $100Contact Lenses (Medically Necessary) $0 Amount over $210Contact Lenses (Evaluation and fitting) 15% off UC R No discountsCosmetic Extras Avg. 20-25% of f retail price No discountsGlasses (Additional pair of frames and lenses) 20% off retail price** No discountsLaser Correction Surgery Discount Up to 15% off t he usual charge or 5%off promotional priceNo discountsService FrequenciesExams Every calendar yearLenses (for glasses or contac t le nses)‡‡ Every calendar yearFrames Every calendar yearNetwork discounts (glasses and contact lens professional service) Limitless within 12 months of exam.Dependent Age Limits 26To Find a Provider: Register at VSP.com to find a participating provider.VSP•Additional Features Benefits: Diabetic Eyecare•‡‡Benefit includes coverage for glasses or contact lenses, not both.•** For the discount to apply your purchase must be made within 12 months of the eye exam.•Charges for an initial purchase can be used toward the material allowance. Any unused balance remaining after the initial purchase cannot be banked for future use.The only exception would be if a member purchases contact lenses from an out of network provider, members can use the balance towards additional contactlenses within the same benefit period.•1Extra$20onselectbrands4

Your vision coverageGUARDIAN® is a registered trademark of The Guardian Life Insurance Company of AmericaKGM Kit created 11/14/2022All Eligible Employees Groupnumber: 00044127•Members can use their in network benefits on line at Eyeconic.com.•In Network Routine Retinal Screening Covered after no more than a $39 copay.EXCLUSIONS AND LIMITATIONSImportant Information: This policy provides vision care limited benefits healthinsurance only. It does not provide basic hospital, basic medical or majormedical insurance as defined by the New York State Insurance Department.Coverage is limited to those charges that are necessary for a routine visionexamination. Co-pays apply. The plan does not pay for: orthoptics or visiontraining and any associated supplemental testing; medical or surgical treatmentof the eye; and eye examination or corrective eyewear required by anemployer as a condition of employment; replacement of lenses and framesthat are furnished u nder this plan, which are lost or broken (except at normalintervals when services are otherwise available or a warranty exists). The planlimits benefits for blended lenses, oversized lenses, photochromic lenses,tinted lenses, progressive multifocal lenses, coated or laminated lenses, aframe that exceeds p lan allowance, cosmetic lenses; U-V protected lenses andoptional cosmetic processes.The services, exclusions and limitations listed above do not constitute acontract and are a summary only. The Guardian plan documents are the finalarbiter of coverage. Contract #GP-1-VSN-96-VIS et al.Laser Correction Surgery:Discounts on average of 10-20% off usual and customary charge or 5% offpromotional price for vision laser Surgery. Members out-of-pocket costs arelimited to $1,800 per eye for LASIK or $1,500 per eye for PRK or $2300 pereye for Custom LASIK, Custom PRK, or Bladeless LASIK.Laser surgery is not an insured benefit. The surgery is available at a discountedfee. The covered person must pay the entire discounted fee. In addition, thelaser surgery discount may not be available in all states.Guardian’s Vision Insurance is underwritten and issued by The Guardian Life Insurance Company of America, New York, NY. Products are not available in allstates. Policy limitations and exclusions apply. Optional riders and/or features may incur additional costs. This policy provides vision care limited benefits healthinsurance only. It does NOT provide basic hospital, basic medical or major medical insurance as defined by the New York State Department of FinancialServices. Plan documents are the final arbiter of coverage.Policy Form # GP-1-GVSN-175