2026 Cigna Vision Plan SPD

Calendar Year The term Calendar Year means the period that begins on January 1st and ends on December 31st of that year.

Contracted Fee The term Contracted Fee means the total compensation level that a provider has agreed to accept as payment for vision procedures and services performed on You or Your Dependent, according to Your vision benefit plan.

HCVIS-DFS5

01-24

HCVIS-DFS12

01-24

Calendar Year Maximum This is the most We will pay for vision care within a Calendar Year. Once You reach the maximum amount, You will be responsible for paying any costs for the remainder of the benefit period.

Copayment The term Copayment means a defined dollar amount a Covered Person is required to pay for certain vision services payable under the plan. The Covered Person is responsible for the payment of any Copayment directly to the provider of the vision service at the time of service or when billed by the provider.

HCVIS-DFS6

01-24

Certificate The term Certificate means this document, including any riders and attachments hereto, which sets forth Your benefits under the plan.

HCVIS-DFS13

01-24

Covered Expenses The term Covered Expenses means that portion of a Vision Provider’s charge that is payable for a service delivered to a Covered Person provided: • Provided by or under the direction of a Vision Provider or other appropriate provider as specifically described; • Identified as payable in this certificate; • The maximum benefit in The Schedule has not been exceeded; and • It is not excluded as described in the section entitled Exclusions.

HCVIS-DFS7

01-24

Coinsurance The term Coinsurance means the percentage of charges for Covered Vision Expenses that a Covered Person is required to pay under the plan.

HCVIS-DFS9

01-24

Contract The Contract will be made up of the Policy; the Certificate; the application of the Policyholder, a copy of which is attached to the Policy; any riders and amendments to the Policy or Certificate; and any enrollment forms.

HCVIS-DFS14

01-24

Covered Person The term Covered Person means a person who is insured for vision coverage under the terms of the Policy and this Certificate.

HCVIS-DFS10

01-24

HCVIS-DFS15

01-24

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