Coverage For Your Vision Care Needs.
An annual eye exam is about much more than healthy vision. It can help identify the early signs of serious health conditions like diabetes and high blood pressure.
Our Premiere Vision plan offers access to thousands of network providers nationwide through EyeMed Vision Care’s “Select” Network of independent providers and retail chains.Visit EyeMedVisionCare.com/Locator for participating locations in your area.
Applying is simple and can be completed in minutes
1 Type I services for Premiere and Basic plans are covered at 100% in-network and 80% non-network. | 2
Type II services for Premiere plan are covered at 80% in-network and 60%
non-network. Type II services for Basic plan are covered at 50% for both in-network and non-network.
INSURED VISION PLAN1
ADDITIONAL SAVINGS FROM EYEMED VISION CARE1
In addition to your insured vision plan benefits, you have access to the following discounts through EyeMed where you pay:
The chart above is only an illustration of benefit and premium options per insured per 12 month period.
1 EyeMed is a discount program only and not insurance. This program provides discounts only at certain contracted providers. You are obligated to pay all fees at the time of service,
but will receive a discount from those providers who have contracted with EyeMed. The program does not make payments directly to the providers of services.
Notice to Our Customers About Supplemental Insurance
Notice to Our Customers About Supplemental Insurance
• The supplemental plan discussed in this document is separate from any health insurance coverage you may have purchased with another insurance company.
• This plan provides optional coverage for an additional premium. It is intended to supplement your health insurance and provide additional protection.
• This plan is not required in order to purchase health insurance with another insurance company.
• This plan should not be used as a substitute for comprehensive health insurance coverage. It is not considered Minimum Essential Coverage under the Affordable Care Act.
Other Important Information
EXCLUSIONS AND LIMITATIONS
Benefits will not be provided under the Policy for expenses associated with the following:
Orthoptic or vision training and any associated supplemental testing | Plano lenses | Lens coating | Two pair of glasses, in lieu of bifocals or trifocals | Medical or surgical treatment of the eyes | Any type of corrective vision surgery, including LASIK surgery | Any eye examination, or any corrective eye wear, required by an employer as a condition of employment | Any services or supplies when paid under any Workers’ Compensation or similar law | No-line bifocal or progressive lenses | Photochromic, transition or polycarbonate lenses | Lenticular lenses | Sub-normal vision aids or non-prescription lenses | Services rendered or supplies purchased outside the U.S. or Canada, unless the insured person resides in the U.S. or Canada and the charges are incurred while on a business or pleasure trip | Eyeglasses when the change in prescription is less than .5 Diopter | Experimental or investigational or non-conventional treatment or device | Eyeglass lens treatments,
including “add-ons”, UV coating, anti-reflective coating, scratch resistant coating, tinting or edge polishing | Oversized lenses | High index lenses of any material type | Fitting for contact lenses | Follow-up visits | Charges incurred after the Policy has terminated or coverage has ended.
Orthoptic or vision training, subnormal vision aids, and any associated supplemental testing | Aniseikonic lenses | Medical and/or surgical treatment of the eye, eyes or supporting structures| Corrective eye wear required by an employer as a condition of employment, and safety eye wear unless specifically covered under plan | Services provided as a result of any Workers’ Compensation Law | Plano non-prescription lenses and non-prescription sunglasses (except for 20% discount) | Services or materials provided by any other group benefit providing for vision care| Two pair of glasses in lieu of bifocals or trifocals
COVERAGE BEGINS: Chesapeake requires evidence of insurability before coverage is provided. Once Chesapeake has approved your application and you have paid your premium, coverage will begin on the Policy date shown in the Policy schedule.
RENEWABILITY: Your Policy is conditionally renewable, subject to Chesapeake’s right to discontinue or terminate the coverage as provided in the termination of coverage section of the Policy.
PREMIUM CHANGES: Chesapeake reserves the right to change the table of premiums, on a class basis, becoming due under the Policy at any time and from time to time; provided, Chesapeake has given you written notice of at least 45 days prior to the effective date of the new rates. Such change will be on a class basis.
TERMINATION OF COVERAGE: Your coverage will terminate and no benefits will be payable under the Policy: At the end of the month for which premium has been paid | If your mode of premium is monthly, at the end of the period through which premium has been paid following our receipt of your request of termination | If your mode of premium is other than monthly, upon the next monthly anniversary day following our receipt of your request of termination. Premium will be refunded for any months paid beyond the termination date | On the date of fraud or material misrepresentation by you | On the date we elect to discontinue this plan, we will give you at least 90 days notice before the date coverage will be discontinued. You will be offered an option to purchase any other coverage that we offer without regard to health status | On the date we elect to discontinue all coverage in your state, we will give you and the proper state authority at least 180 days notice before the date coverage will be discontinued | Your dependent’s coverage will terminate at the end of the month following the date such dependent ceases to be an eligible
For a complete listing of benefits, exclusions and limitations, please refer to your Policy. In the event of any discrepancies contained in this brochure, the terms and conditions contained in the Policy documents shall govern. The information contained herein is accurate at the time of publication. This brochure provides only summary information. Vision Insurance Preferred Provider Organization (PPO) Policy, Form CH-26120-IP (01/12) OON FL.
SureBridge is one of the leading brands of supplemental insurance coverage in the United States,helping to provide financial security for Americans of all ages and their families. Our comprehensive portfolio of products is available from licensed insurance agents in 46 states and the District of Columbia and is available through HealthMarkets Insurance Agency Inc., as well as through other unaffiliated insurance distributors. SureBridge policyholders can receive direct cash benefits for expenses caused by unexpected medical issues, sustained illnesses, and end-of-life challenges.
The SureBridge portfolio includes dental, vision, and other insurance plans that complement an individual’s health insurance. These plans help provide an additional layer of protection in the event of accidental injury, catastrophic illness, hospitalization, or cancer.
SureBridge® is a registered trademark used for both insurance and non-insurance products offered by subsidiaries of HealthMarkets, Inc. Supplemental insurance products arevunderwritten by The Chesapeake Life Insurance Company®. Administrative offices are located in North Richland Hills, TX. Products are marketed through independent agents/producers.Insurance product availability may vary by state.
I am James Sparkman. I am the founder and CEO of TermLife Mutual. I am afamily-oriented person. My wife and I have been married for over 20 years! We have 5 children. We have 2 set of twins and 1 middle child. Since joining the financial services industry in 2004, I have made it my focus to help individuals, families and business owners save money on life insurance costs, reduce taxes, protect assets, build wealth and eliminate debt. While I try to help everyone that I can, I particularly enjoy working with those that seek to enjoy the journey of life.
TermLife Mutual is a life insurance agency that primarily provides individuals, families, and business owners with Term Life insurance. While TermLife Mutual’s flagship product is Term Life insurance, we do have other insurance products and services. Our goals are to help insure America with quality life insurance.
We work with multiple life insurance companies however our primary partner is Haven Life who are wholly owned by MassMutual Life insurance company. MassMutual is an A+ rated life insurance company that has been around for over 160 years.
Most of life insurance industry is still catching up with the times of internet and technology. Most life insurance is still sold thru a life insurance agent. At TermLife Mutual, we have partnered up with one of most up-to-date technology to allow our clients to purchase life insurance without the need for agent nor medical exams (no needles). This is our strong point that separates us from most life insurance agencies. We have platform that you can complete a quick application in less than 10 minutes without the need for agent. Our partners at
has the technology and secure site for quotes and applications for our products and services. Amazingly this technology was developed by Levinson and Associates, who are leading the way in advancing life insurance products. Once you decide on the amount of your term life insurance, you can simply click for quote, scroll down until you see the LIFE icon, receive quote and then move forward with a simple application. We welcome you to the family of TermLife Mutual!