You are reviewing the vision exam benefits for Louann Bergman. She presented for an eye exam, stating she needed new glasses. She had an examination 15 months prior and notes she can have an exam every year. The eye physician is in-network with her plan and total charges equal $650. Her benefits are as follows: PPO medical care office visits The annual deductible is $500. In-network benefit: One vision exam every calendar year covered at 100%; exempt from deductible. Out-of-network deductible required with coinsurance of 20%