What would a 20% decrease in employee performance cost you? The benefits of vision coverage from Anthem may surprise you

1. What would a 20% decrease in employee performance cost you?The benefits of vision coverage from Anthem may surprise you.

2. As baby boomers continue to age, these issues are expected to become even more significant. • Vision problems are the second-most prevalent health problem in the country, affecting more than 120 million people.* *Vision Council of America (VCA), Vision in Business 2007

3. Aside from the costs to individuals’ overall health, which can be better managed through regular, proactive eye care, vision problems may have hidden costs for your business, including: Drain on employee productivity Loss of employeemorale

4. In their eyes – Glaucoma • Imagine being in your employees’ eyes – for example, trying to be a successful chef with glaucoma.

5. In their eyes – Sightedness • Imagine trying to confirm accounting figures when you’re farsighted (hyperopia)—or reading highway signs when you’re nearsighted (myopia). Healthy Sight Hyperopia Healthy Sight Myopia

6. In their eyes – Computer Eyestrain • Imagine a more common example: Eyestrain. • It’s the number one complaint of office workers, more common than carpal tunnel syndrome (Cornell University). • The poor edge definition of the images on a computer screen can cause a repetitive refocusing effort for the eye muscles (VCA, Vision in Business 2007).

7. Vision disorders and job-related vision problems can be costly to productivity and organizational effectiveness. Every year, vision disorders account for more than $8 billion dollars in lost productivity. VCA, Vision in Business 2007 Draining employee productivity – Uncorrected vision Uncorrected vision can decrease employee performance by as much as 20 percent. Daum, 2004. “Productivity Associated with Status of Computer Users”

8. Draining employee productivity – Presenteeism • “ • In contrast to absenteeism, when employees are absent from work, presenteeism discusses the problems faced when employees come to work in spite of illness, which can have similar negative repercussions on business performance. • ” Wikipedia entry on Presenteeism (May 2008): en.wikipedia.org/wiki/Presenteeism • A work force that operates with a greater-than-average percentage of workers with vision issues, could face a number of significant – and even dangerous – problems that undermine a healthy and productive work environment.

9. The general public rates loss of vision as second only to cancer as the most-feared human affliction. The Schepens Eye Research Institute And it affects morale, too Workers with visual impairment are more likely to be dissatisfied with their jobs and may be absent more frequently to deal with the stress and fatigue caused by their vision problems. Optometry, 2004 • An estimated 4.1 million people aged 20 and older in the United States have diabetic retinopathy, which amounts to one of every 29 people. One in 132 people have vision-threatening diabetic retinopathy. Archives of Ophthalmology, April 2004

10. Question: Would the average person pay out of pocket for a vision exam and glasses or contacts? And would they continue to do so each year as recommended? • Vision coverage is one of the most effective ways to help ensure proper eye health.

11. Return on investment • Studies have shown employers gain as much as $7 for every $1 spent on vision coverage. VCA, Vision in Business 2007

12. Stand out from the competition • 46 percent—nearly half—of all employers offer Vision insurance. And that number increases the larger your company size, according to LIMRA. • Your work force really does benefit from a smart, well-designed vision benefit.

13. The Solution is Blue View Vision • Anthem has developed a vision product that can help you keep your employees healthy and productive. We call it Blue View Vision and it’s designed to protect your workforce while at the same time keep your budget in check.

14. Blue View Vision – Flexible product portfolio Full-service plans Exam-only plans Materials-only plans Voluntary plans

15. Full service Blue View Vision – Choice • Multiple plan designs are available, including: Exam only or materials only Both are offered on an insured or ASO basis

16. Blue View Vision – Network • Access to one of the largest vision networks across the country that includes independent providers and marquee retailers, such as:

17. Blue View Vision – Convenience • Some of the longest customer service hours in the industry, including Sundays. • Retailers offer convenient evening and weekend hours, plus fast delivery of glasses.

18. Blue View Vision – Easy-to-use benefits • Retail benefit allowances make it easy for members to select frames or contact lenses from a provider’s inventory. • This eliminates confusing frame towers or wholesale benefits. • Plus, we offer our membersan ID card.

19. of 15 to 40 percent on second-pair purchases of 20 percent on balances over plan allowance – available anytime, anywhere from in-network providers (after benefits are utilized) Blue View Vision – Additional discounts Discounts Discounts

20. Blue View VisionHow much doesn’t it cost? • Vision coverage is relatively inexpensive, especially when you consider the tremendous upside. • But now, vision coverage can cost companies even less. A voluntary vision plan lets employers and employees take advantage of quality, group-sponsored vision coverage, but employees pay 100 percent of the costs. A win-win situation.

21. A clear way forward (summary) • Vision problems can negatively effect an otherwise strong team of employees. • Drain on productivity • Decreased morale • Offering vision coverage can be one of only a handful of ways to help ensure proper ongoing, proactive vision care. • Coverage is not expensive.

22. Broad network that includes convenient retail outlets Simple, easy-to-use benefits structure Expanding discounts Great product options …and much more! A clear way forward (summary) • Anthem’s vision products offer some of the finest features available, including: