Vision Plan Comparison   Bi-Weekly Premiums Months Between Covered Services Plan Self Self + One Self and Family Examination Lenses Frames Exam Copay Lens Copay Frame Allowance Out of Network Benefit BCBS Standard $3.97 $7.94 $11.92 12 12 24 $0 $0 $130 None BCBS High $5.01 $10.01 $15.02 12 12 12 $0 $0 $130 None Spectera Standard $2.63 $5.13 $7.64 12 12 12 $10 $25 $130 Out of network fee schedule Spectera High $3.41 $6.65 $9.91 12 12 12 $10 $10 $130 Out of network fee schedule VSP Standard $3.82 $7.65 $11.47 12 12 12 $10 $20 $120 Out of network fee schedule VSP High $5.40 $10.81 $16.21 12 12 12 $10 $150 Out of network fee schedule

Dental Plan Comparison Nationwide and Overseas Carriers In-Network Benefits Plan Pays Per Person Deductibles Annual Maximum Benefit per Person Orthodontic Lifetime Maximum Out of Network Benenfit   Preventive (A) Intermediate (B) Major (C) Orthodontic (D) Intermediate (B) Major (C) Limited to Persons up to Age 19   Aetna 100% 60% 40% 30% $0 $0 $1,200 $1500 per person 24 month waiting period Same % per class based on U&C GEHA (High Option) 100% 80% 50% 30% $0 $0 $1,200 $1500 per person 24 month waiting period Same % per class based on Plan allowance GEHA (Standard Option) 100% after $10 copay 55% 35% 30% $0 $0 $1,200 $1500 per person 24 month waiting period Same % per class based on Plan allowance MetLife (High Option) 100% 70% 50% 50% $0 $0 $3,000 $3000 per person 24 month waiting period Lesser % per class based on U&C MetLife (Standard Option) 100% 55% 35% 50% $0 $0 $1,200 $1500 per person 24 month waiting period Lesser % per class based on U&C United Concordia 100% 80% 50% 50% Combined Deductible $75 for Self $150 for Self and Family $1,200 $1500 per person 24 month waiting period Emergency Services Only Regional Carriers In-Network Benefits Plan Pays Per Person Deductibles Annual Maximum Benefit per Person Orthodontic Lifetime Maximum Out of Network Benefit   Preventive (A) Intermediate (B) Major (C) Orthodontic (D) Intermediate (B) Major (C) Triple-S 100% 70% 40% 50% $0 $0 None $1500 per person 24 month waiting period None GHI 100% 100% 100% 100% $50 up to $150 for Family Enrollment $1,250 $2000 per person 12 month waiting period Same pymts as in-network A published co-payment schedule indicates the total amount you pay for each procedure and you are covered at 100% for all charges above that amount. The chart below is an approximation of the percentage benefit levels you receive. Comp Benefits Dental 100% 60% 46% 30% $0 $0 None No lifetime maximum 24 month waiting period None Please note: When you use an In-Network provider you are responsible only for the difference between the Plan allowance and the Plan's payment.  When you use an Out of Network provider you are responsible for the difference between the Plan's payment and the amount billed by the Provider. All plans include coverage for Class A, B, C, and D series.