Benefit Summary

for VISION has been prepared for the members of:

                                 American Business Insurance Trust (ABIT)
                      Administered by Moro Insurance Group

Vision Access Program

An eligible person can receive discounts on vision care services or supplies from a vision provider that is under contract with Vision Service Plan's (VSP's) Preferred Provider Organization (PPO) network.  The eligible person must pay the entire discounted fee directly to the VSP network doctor.

Discounts are not available from providers who are not members of VSP's network.

Average Discounts:

-     Eye Exams - 20% off of the VSP doctor's usual charge

-     Frames, Standard Lenses and Lens Options - 20% off the VSP doctor's usual charge, when a complete pair of prescription glasses is purchased.

-      Contact Lens Professional Services - 15% off the VSP doctor's usual charge for professional services.  The lenses are not discounted.

-      Laser surgery - an average of 15% off the laser surgeon's usual charge or 5% off any promotional price, if it is less than the usual discounted price.

No ID cards are required, but the patient must notify the VSP network doctor that they have Guardian VSP Access Plan coverage at the time of the service to receive their discount.

Discounts are only available from the VSP network doctor that provided the eye exam to the patient within the last 12 months.

This is not insurance.  The eligible person must pay the entire discounted fee directly to the VSP network doctor.  There is no charge for the Discount Vision Access program.  A person must be enrolled in a Guardian dental plan in order to be eligible for the Discount vision Access program.  When a person is no longer enrolled in a Guardian dental plan, access to the network discounts ends.

To find a VSP network doctor, visit www.guardiananytime.com or call VSP member services at 1-877-814-8970.