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Blue view vision can help your employees work better and play better too.

Blue View Vision G e t v i s i o n c o v e r a g e f r o m t h e s a m e c o m p a n y t h a t p r o v i d e s y o u r h e a l t h i n s u r a n c e.

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We're doing everything we can to make all kinds of health care coverage available to all kinds of people. From medical and dental to vision and life - we offer a range of products along with an expanding nationwide network.

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Ask for Blue View Vision, here's why...

cool Fact 1 ­ According to the American Optometric Association, 70-75% of computer workers experience eye and vision problems.

You're looking for vision coverage, and your timing couldn't be better. To your employees, the value of having healthy eyes and clear vision is simply impossible to measure. Over 157 million adult Americans wear corrective eyewear today, and aging baby boomers ensure increasing demand, not to mention a growing number of children in need of eye care. It's a great time to seek quality coverage.

Yikes!

Eye strain, blurred vision and headaches-oh my! Whether your employees work in an office or the great outdoors, these symptoms can affect anyone and can easily lead to stress. They may even be early warning signs of a more serious condition. If left untreated, a seemingly minor vision problem can lead to lost workdays and reduced productivity.

cool Fact 2 ­ 75% of surveyed employees participated in a vision plan when it was offered.1

What can be done?

Routine eye exams can help combat potential problems. An annual eye exam can help correct common vision problems, identify eye diseases and help diagnose life-threatening conditions like diabetes and high blood pressure.

cool Fact 3 ­ 80% of respondents report that vision care is very or somewhat important.1

Employees want quality vision coverage; let us help you meet the demand. Why not offer one of the best vision plans around? Select blue View Visionsm offered through Anthem Blue Cross and Blue Shield to take care of your company's vision needs.

1 National Compensation Survey: Employee Benefits in Private Industry in the United States, March 2005

Advantages of Blue View Vision

These days, we know you are finding the cost of healthcare, well...expensive. Blue View Vision strives to be one of the most competitive and affordable options you have for vision coverage.

take a closer look at the adVantages oF blue VieW Vision cool Fact 4 ­ Catch eye problems early. The National Institutes of Health suggests Americans protect their eyesight through regular eye exams. Get immediate attention if you notice loss of eyesight or eye pain. Remember to use sunglasses to protect your eyes from the damaging effects of UV rays.

· a vast, convenient network offering you access to over 35,000 providers nationally and over 650 providers in Virginia. The network includes experienced ophthalmologists, optometrists, and opticians. Our selection of popular retailers include Lenscrafters , Target Optical, and most Sears and

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benefit questions. Need answers even faster? Use our convenient tools available to you on anthem.com. Find an eye doctor using our ProviderFinder feature. Get information on a variety of medical conditions by selecting [email protected] powered by WedMD. Plus anthem.com gives you access to our most commonly requested forms- simply download them whenever you need them. It's all right here!

a blue VieW Vision plan can help:

· Save employees money on vision care · Increase productivity and the well-being of your company · Attract and retain a quality workforce

cool Fact 5 ­ Regular eye examinations can detect a variety of eye conditions including glaucoma, cataracts, macular degeneration and other potentially serious diseases. Early detection and treatment can correct or minimize many of these.

FDA Consumer magazine March-April 2002

Pearle Vision locations. · Flexible and easy-to use benefits with a choice of cost-effective plans including an attractive frame allowance typically covering up to 75% of manufactured frames. With on-site labs and advancing provider

capabilities, clients may even receive their eyewear in a matter of hours, not weeks. · Value-added savings even after a member has exhausted their benefits. Members can enjoy additional savings of 15 to 40 percent on extra pairs of eyewear, sunglasses and accessories through the vision discount program included with all basic and rider vision plans. · Friendly service with helpful online tools ­ We hate red tape too. Don't worry, we're in the business of providing answers. Our associates are available to answer your vision coverage questions and are trained in the art of one touch service. If you need us after business hours, our Interactive Voice Response system makes it nearly effortless for employees to get answers to their vision

Vision care is one of the smartest investments employers can make in an overall employee health plan. Enhance your current employee benefits program by offering Blue View Vision.

What's one touch service? It means members only need to contact us once to get a question resolved. No further phone calls. No hassles.

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cool Fact 6 ­ According to a recent survey by the American Optometric Association, two-thirds of respondents indicated that they would trade a vacation day for vision coverage from their employer. Many said they'd trade two!

so What plans are aVailable?

Blue View Vision offers an array of service plans to suit your company's goals and budget. The following plans are available to all size groups who currently offer an Anthem group product through Anthem KeyCare or Anthem BlueCare coverage.

B l u e V i e w V i s i o n R i d e R s*: eyeglasses Full coverage for basic lenses Lenses Copay Frame Allowance Coverage frequency for replacing frames or contacts Allowance towards contact lenses and fitting BLUE VIEw VIsION 130 Yes $0 $130, then 20% off balance over allowance Every 1 or 2 calendar years, depending on the plan or BLUE VIEw VIsION 130 $130, then 15% off balance over allowance for conventional** contact lenses BLUE VIEw VIsION 130/$15 Yes $15 $130, then 20% off balance over allowance Every 1 or 2 calendar years, depending on the plan or BLUE VIEw VIsION 130/$25 $130, then 15% off balance over allowance for conventional** contact lenses BLUE VIEw VIsION 130/$25 Yes $25 $130, then 20% off balance over allowance Every 1 or 2 calendar years, depending on the plan or BLUE VIEw VIsION 130/$25 $130, then 15% off balance over allowance for conventional** contact lenses

*Please refer to each Blue View Vision Product Summary for a complete benefit plan description. **No discount available over the allowance for disposable contact lenses

In addition, all Blue View Vision plans provide employees with discounts on additional eyewear and many sunglasses and accessories- even after benefits have been exhausted.

the following services are not included in your coverage: · Vision services or supplies unless needed due to eye surgery and accidental injury; · Experimental/investigative vision procedures or materials, as well as services related to or complications from such procedures; · Services for radial keratotomy and other surgical procedures to correct refractive defects such as nearsightedness, farsightedness and/or astigmatism. This type of surgery includes keratoplasty and Lasik procedure; · Services for vision training and orthoptics; · Tests associated with the fitting of contact lenses unless the contact lenses are needed due to eye surgery or to treat accidental injury; · Sunglasses or safety glasses and accompanying frames of any type; · Any non-prescription lenses, eyeglasses or contacts, or Plano lenses or lenses that have no refractive power; · Any lost or broken lenses or frames; · Any blended lenses (no line), oversize lenses, progressive multifocal lenses, photochromatic lenses, tinted lenses, coated lenses, cosmetic lenses or processes, or UV-protected lenses; · Services needed for employment or given by a medical department, clinic, or similar service provided or maintained by the employer or any government entity; or · Any other vision services not specifically listed as covered. Your coverage also does not include benefits for services or supplies if they are: · Not listed as covered under your health plan; · Received before the effective date or after a covered person's coverage ends; or · Given by a member of the covered person's immediate family; · Provided under federal, state, or local laws and regulations. This includes Medicare and other services available through the Social Security Act of 1965, as amended, except as provided by the Age Discrimination Act. This exclusion applies whether or not you waive your rights under these laws and regulations. It does not apply to laws that make the government program the secondary payor after benefits under this policy have been paid. Anthem will pay for covered services when these program benefits have been exhausted; · Provided under a U.S. government program or a program for which the federal or state government pays all or part of the cost. This exclusion does not apply to health benefits plans for civilian employees or retired civilian employees of the federal or state government; · Received from an employer mutual association, trust, or a labor union's dental or medical department; or · For diseases contracted or injuries caused because of war, declared or undeclared, voluntary participation in civil disobedience, or other such activities.

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Blue View Vision

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Get the simplicity of One Carrier... Health Dental Vision Life Disability Employee Assistance Program One Contact... Simple Administration One dedicated Anthem sales representative Group and voluntary benefits One Solution.

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the information contained herein is intended to be a brief outline of the products and services available and is not intended to be a legal contract. the most detailed description of benefits, exclusions and restrictions can be found in the following group policies and endorsements which can be requested by calling Member services at 1-800-451-1527 or 358-1551 from the richmond calling area: pp-intro (7/06), p-toc (7/04), p-sb1 (7/06), p-sb2 (7/06), p-sb3 (7/06), p-sb4 (7/06), pWorks (7/06), p-coVered (7/06), p-eXcl (7/06), p-claiMs (7/06), p-cob (7/06), p-enr (7/06), p-inFo (7/06), p-ends (1/06), p-rights (1/05), p-deF (7/06), p-eXh-a (7/04), p-indeX (1/05), p-acc (3/00) enrollment applications used for anthem keycare: 490760 (11/05), 490773 (11/05), 490750 (4/03), 490751 (4/03), 490752 (4/03), 490753 (8/03), 490756 (4/03), aVa1143, aVa1144, aVa1145, aVa1146, 111578 (7/04)

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For more information about the products and services provided by anthem blue cross and blue shield and its affiliated HMOs contact your Anthem sales representative, consultant or broker or visit our web site at a n t h e m . c o m.

This enrollment brochure should contain benefit inserts, if it does not contain benefit inserts contact your employer or benefits administrator. Anthem Blue Cross and Blue Shield's service area is the Commonwealth of Virginia, excluding the city of Fairfax, the town of Vienna and the area east of State Route 123. For Administrative Services Only accounts, Anthem Blue Cross and Blue Shield provides administrative claims payment services only and does not assume any financial risk or obligation with respect to claims. Anthem Blue Cross and Blue Shield is the trade name of Anthem Health Plans of Virginia, Inc. Independent licensee of the Blue Cross and Blue Shield Association. ® Registered marks Blue Cross and Blue Shield Association. Blue View Vision is a registered service mark of the Blue Cross and Blue Shield Association.

PVA 2294 301306

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