WELCOME to the OPW EyeCare Benefits INSURANCE OVERVIEW Seminar HOSTED BY OPW & OPW EYECARE BENEFITS...

WELCOME to the OPW WELCOME to the OPW EyeCare Benefits INSURANCE EyeCare Benefits INSURANCE

OVERVIEW SeminarOVERVIEW Seminar

HOSTED BY OPW

&

OPW EYECARE BENEFITS COMMITTEE

Dr. Glen Owen, Dr. Mark Michael

Dr, Ivan Hyde

PRESENTERSPRESENTERS

• Dr. Ken WhiteOPW insurance liaison

• Judy WhiteBilling and coding consultant

AUDITS AUDITS AUDITSAUDITS AUDITS AUDITS

• Because you are being paid doesn’t mean you are doing it right?

• RAC’S (4.1 Billion recovered 2011)

• Examples – $12000 Overpayment by payor– $5000 (DSHS dispensing fees)– Recourses available

PAYORS CONSIDER PAYORS CONSIDER THESE ITEMS FRAUDTHESE ITEMS FRAUD

Billing for: Services Not Rendered---“Phantom Billing” (or not documented in chart )

Services Performed by Non-Licensed or Non-Payable Practitioners (Staff initialed procedures, but no order from doctor)

A More Costly Service than Provided--- “Up-Coding’ (Not medically necessary)

PAYORS LIST OF FRAUDULENT ITEMSPAYORS LIST OF FRAUDULENT ITEMS(Premera)(Premera)

• “As with all small percent of providers we look at there is potential for up-coding and unbundling”·

– Up-coding new and established codes to comprehensive when the documentation does not support this level

– Unbundling services that are included in a comprehensive examination and billing these in addition.

– One of the bigger issues we see is practitioners attempting to manipulate the sunglasses exclusion benefit by attempting to pass these off as “tinted” lenses. Most vision benefits exclude sunglasses and non rx lenses.

– Billing for services not rendered. Unless there is a chart audit payable codes will go through the system without documentation requirements.

– Manipulating the diagnosis codes so vision pays under medical when the member has no vision benefit or a “richer” medical benefit than vision.

PAYORS LIST OF FRAUDULENT ITEMSPAYORS LIST OF FRAUDULENT ITEMS(DSHS)(DSHS)

1. Follow the rules and/or billing instructions: Read them carefully, keep current and follow them.

2. Document, document, document! 3. Make sure that documentation is clear, legible

and supports the service billed and remember; If it’s not documented in the chart, it didn’t

happen and if it didn’t happen, payment will be recouped.

MEDICARE 2012MEDICARE 2012

• Social Security began in 1937• “Elderly National Health Insurance” began

in 1966 (Prelude to Medicare)• Optometry included in Medicare in 1987• CMS is the largest insurance company in

the world• Estimated by 2015 over 25% of OD billing

will be Medicare


• 65 and older

• Under 65 with certain disabilities

• All ages with end stage renal disease


• PART A

– Inpatient care in hospital

– Skilled nursing facilities

– Home Health Care


• PART B– Dr Services, Outpatient Care, DMEPOS

and some Preventative Services

– Subscriber Deductible $140.00/yr

– Subscriber Premium $99.90/mo• Higher Income beneficiaries pay as much as

$319.70/mo


• PART C– Run by Medicare approved private

companies

– Includes Part A, Part B and sometimes Part D

– Began January 2006, formally called Medicare Choice Plans


• PART D– Prescription drugs

– Began January 1st 2006

– Medicare mess!!!


• ORIGINAL MEDICARE– Run by federal government

– Covers Part A and Part B

– Beneficiary can purchase a supplement to cover deductible and 20%

– Can purchase Part D (Drug coverage) separately


• MEDICARE ADVANTAGE PLANS (PART C)– Advantage Plans in Washington State

• 17 plans 2006, (Mostly Fee For Service)• 210 plans 2008• 157 plans 2010• 15 carriers 2012

– FFS = 2 PPO = 5 HMO = 13


• MEDICARE ADVANTAGE PLANS (PART C)– Private companies approved by Medicare– Covers Parts A & B and sometimes D– May charge different amounts for items and

services– Usually charges additional monthly premium– Never has supplement– Always send claims to plan


• MEDICARE ADVANTAGE PLANS (PART C)– 5 types of plans

• PPO (Preferred Provider Organization) IE. Regence• HMO (Health Maintenance Organization) IE. Sound

Path Health & Spokane Community Care• FFS (Fee for Service) IE. Sterling• SNP (Special Needs Plan) IE. Molina• HMOPOS (Health Maint. Org. Point of Service) IE.

Community Health First


• Medicare contracting reform– New Jurisdiction

• 10 Western States – Jurisdiction F• Noridian retains contract

DMEPOSDMEPOS

• Washington is Jurisdiction D (Part B supplies)

• Includes 17 western states

• Noridian contract = past 11 years

MEDICARE MEDICARE

• WHAT ARE THE DIFFERENCES?

1. EnrolledEnrolledHas a signed contract with Medicare that physician bills

Medicare for beneficiary and accepts their rules for medically necessary ophthalmic goods.

Enroll at https://www.noridianmedicare.com/dme/enroll/

2. Non-EnrolledNon-EnrolledNo DME signed contract with Medicare. Cannot see

Medicare patients for medically necessary ophthalmic goods.

3. Opt-OutOpt-OutSigned opt-out affidavit filed with MedicareSigned private contract with each Medicare patient for careApplies to both Part B services and DMEPOS items

MEDICAREMEDICARETwo Choices If Enrolled

1. PARTICIPATINGPARTICIPATING (accept assignment)– Physician sends CMS billing to Medicare

– Medicare pays physician allowed Medicare fees at 80%

2. NON-PARTICIPATINGNON-PARTICIPATING– Physician sends CMS billing to Medicare

– Maximum 115% of allowed Medicare Fees

– Patient pays physician U&C fees for DMEPOS

– Medicare pays patient allowed Medicare fees at 80%

DMEPOS DMEPOS

Enrollment fees $ 523.00

1. New location

2. Additional locations

3. Change of ownership

4. New tax ID #

5. Reactivations

6. Re-validation (Every three years)

Fees must be submitted through internet based PECOS system

DMEPOS surety bondsDMEPOS surety bonds

1. Mandatory for DMEPOS enrolled providers that fill outside scripts

2. Effective 05/04/2009

$50,000.00 Bond / location

Cost: $1500-2000 / yr

3. Mandatory for participating and non-participating

4. Verify script and make it your own to avoid bond

5. Government approved bond carriers are mandatory

www.fms.treas.gov/c570/c570_a-z.html

MANDATORY CLAIM FILINGMANDATORY CLAIM FILING

• Effective September 1st 1990, Claim Filing Mandatory – Social Security Act 1848(g)(4)

• Law applies to all suppliers providing covered services or items to Medicare beneficiaries regardless of supplier status

• The fact that the provider has not acquired a Medicare billing number or closed a billing account offers no protection from this requirement

• Does not apply to non-covered services, due to statutory exclusion unless beneficiary requests submission - IE. refraction

MANDATORY CLAIM FILINGMANDATORY CLAIM FILING

• Law prohibits supplier from charging beneficiary for claim submissions

• Non-compliance with this law may result in a $2000.00 fine for violation

• Medicare claims must now be submitted within 12 months

• All providers must be listed in PECOS to provide some services, post-op care, some screening tests and scripts for post-op glasses

• To be listed in PECOS provider must have enrolled or submitted changes to Medicare enrollment after Nov 2003

PECOS, what’s it all about?PECOS, what’s it all about?

To find if you are listed as an enrollee in PECOS, go to the following CMS Website.http://www.cms.gov/MedicareProviderSupEnroll/

04_InternetbasedPECOS.asp#TopOfPage

To enroll in the PECOS system go to:https://PECOS.CMS.hhs.gov

PECOSPECOS

MEDICARE POST OP MEDICARE POST OP BILLINGBILLING

• CATARACT AND YAG SURGERY– 90 DAY POST OP PERIOD

• Use modifier 24 with E&M code if seen for totally unrelated problem during post-op

• Use modifier 79 if treating second eye post op during first eye post op 90 day period– IE. 66984-55-79-RT or LT

MEDICARE POST OP BILLINGMEDICARE POST OP BILLING

• Box 17 = Surgeon’s Name• Box 17b = Surgeon’s NPI• Box 19 = “Post op care from (date)* to (date)**”

– * Date of transfer on surgeon’s post op letter

– ** 90 days from date of surgery (day one is day after surgery)

Calculation Website:

http://www.medicarenhic.com/providers/billing/billing_calc_global_period.html

MEDICARE POST OP BILLINGMEDICARE POST OP BILLING

• Box 21= Must use same ICD-9 code as surgeon uses• Box 24a = Date of surgery• Box 24d = CPT code must match surgeons

– Usually 69884• Use modifier 55 & RT or LT for Post Op

– More complicated surgery will have different codes and higher reimbursement amounts

PQRS, PQRS, Why should I participate?Why should I participate?

• Applies to Medicare only (0.5% Bonus)Must report three measures, 50% of the time

Only 3 dx’s to think about; AMD, POAG, DIABETES

• Penalties in 2015 (1.5%)• Current Update for ODs Available at:

http://www.aoa.org/x17508.xml

eRx INFORMATION, WHAT eRx INFORMATION, WHAT YOU NEED TO KNOW YOU NEED TO KNOW

AND WHYAND WHY• Do I have to participate in PQRS to participte

in eRx? (No)• Separate from and in addition to Physician

Quality Reporting (PQRS)• Is this a voluntary program?

– (Yes) (1% bonus2012)

• What if I don’t participate? – (No Penalty for ODs 2012) (2013=?)

eRx eRx

• What if I decide to participate?What if I decide to participate?– Applies to Medication; Not glasses rx

– Rx directly from your computer to pharmacy

– Helps to Eliminates fraud

• Do I have to have specific software? (Yes)Do I have to have specific software? (Yes)– Qualified System that will generate a complete

medication list that incorporates data from pharmacies and provide information on lower cost, and therapeutically appropriate alternatives

eRx , GETTING STARTEDeRx , GETTING STARTED• HOW DO I GET STARTED?HOW DO I GET STARTED?

– Learn: – http://www.aoa.org/x18599.xml– http://www.aoa.org/x18962.xml– Download AOA eRx Webinar;

http://www.aoa.org/x18392.xml#erx – Get Started

http://www.getrxconnected.com/OPTOMETRIC/site.aspx

– Free Software http://www.nationalerx.com/prescribers.htm

2012 CHANGES2012 CHANGES

• PREMERACorneal Topography (CPT 92025) has been eliminated

• DSHSPediatric hardware only

• ASURIS MED-ADVANTAGE (Regence)VSP FOR routine exams and hardware

(OCT) 2012 CHANGES(OCT) 2012 CHANGES

• 92132 Scanning computerized ophthalmic diagnostic imaging, anterior segment, with interpretation and report, unilateral or bilateral.

• 92133 Scanning computerized ophthalmic diagnostic imaging, posterior segment, with interpretation and report, unilateral or bilateral, optic nerve.

• 92134 Scanning computerized ophthalmic diagnostic imaging, posterior segment, with interpretation and report, unilateral or bilateral, retina

CPT 92070 has been deleted in 2012CPT 92070 has been deleted in 2012• 92071 – Fitting of contact lens for treatment of

ocular surface disease (Per Lens)

• 92072 – Fitting of contact lens for management of keratoconus, initial fitting (Per Lens)

• Neither code includes supply of lens and may be reported as 99070 (supplies and materials provided by physician over and above those usually included with the office visit or other services rendered or;

• The appropriate HCPCS material code (V code) or S code (S 0500 (disposable contact lens)

• Additional care (visits), use appropriate E&M services or general ophthalmological services.

ADVANCE BENEFICIARY NOTICE OF ADVANCE BENEFICIARY NOTICE OF NONCOVERAGENONCOVERAGE

• New ABN form (03/11) Mandatory after 1-1-12• Replaces old ABN and NEMB• Used to inform patients that fees will probably

not be covered my Medicare• Must be filled out and signed before materials are

ordered and rendered• No “blanket” form to every Medicare patient• One copy for patient and one in file for 7 years

ADVANCE BENEFICIARY NOTICE OF ADVANCE BENEFICIARY NOTICE OF NONCOVERAGENONCOVERAGE

• Use GA modifier when ABN is executed• Mandatory field of cost estimate for

items/services• Must be signed and dated by beneficiary or

authorized representative• Includes beneficiary options

- Individual may choose to receive item/service-Pay for it out-of-pocket

-No claim submitted to Medicare

BILLING DMEPOSBILLING DMEPOS• Coverage Requirement

– Medically necessary to restore vision due to surgical removal or congenital absence of organic lens of the eye– Covered diagnoses are limited to:

• Pseudophakia (V43.1)• Aphakia (379.31)• Congenital Aphakia (743.35)

– All other diagnosis will deny as non-covered– Patient is eligible even if they had surgery prior to Medicare coverage.

BILLING DMEPOSBILLING DMEPOS• Pseudophakia

– Diagnosis code V43.1– Only one pair of lenses & frames or contacts are allowed after each cataract surgery

– If patient does not receive glasses or contacts between two separate surgeries, only one pair of lenses and frames or contacts are allowed.

– Frames are covered only when ordered with lenses

– Replacements not covered– No time limit after surgery to order materials

BILLING DMEPOSBILLING DMEPOS

• Aphakia– Diagnosis code 379.31 or 743.35– The following combination of frames, lenses or contact lenses are allowed:

• Bifocal lenses in frame OR

• Lenses in frames for far vision and lenses in frame for near vision OR

• Contact lenses worn the same time as eyeglasses and eyeglasses when contacts are removed

• No limit on replacement except soft lenses


• Contact Lenses– V2520 -V2523– Allowed fees include professional fitting fees– No allowance for solutions– Not eligible when used as corneal dressing


• Frames–V 2020 standard frame– Use amount allowed by Medicare. 2012 = $65.42 OR– Use your retail (U&C) if less than Medicare allowed amount– V2025 delux frame

• Retail amount over Medicare allowed amount


• Frames– When billing for delux frame enter standard frame code (V2020) on first claim line– On second claim line, enter delux frame code (V2025) and difference in charge between standard and delux frame– No ABN form or GA modifier– No other modifiers

BILLING DMEPOSBILLING DMEPOS• Medically Necessary Options

– Following options are covered if ordered by physicians for medically necessary reasons:• Photochromatic V2744 ( Glass or Plastic)• Tint V2745• Anti Reflective Coating V2750• Oversize lenses V2780• Polycarb lenses V2784 (Must have functional

vision in only one eye)• Use KX modifier if medically necessary (rare) • Must be documented by treating physician and

medical record


• When the above options are patient preference items, they must be billed on a separate CMS form– An ABN form must be executed– Use GA EY Modifiers– Will be denied as “not medically necessary”


• UV Protection V2755– UV protection reasonable and necessary following cataract extraction. Additional justification not necessary beyond inclusion on the order– Not medically necessary for polycarb lenses– Only if coating is applied to lens, not as an add-on for uv protection inherent in the lens material


• Progressive Lenses V2781– Enter appropriate code for either bifocal

(V2200-V2299) or trifocal (V2300-V2399) on the first claim line

– On second claim line, enter progressive lenses V2781 and the difference in charge between progressive and standard lenses

– ABN or GA modifier not required– V2781 denied as patient responsibility


• Non Covered Patient Preference Items– V2025 Delux Frames – Special billing rules apply– V2600-V2615 Low vision aids– V2756 Eyeglass case– V2760 Scratch Cote– V2761 Mirror Coating– V2762 Polarization– V2781 Progressive - Special billing rules apply– V2782 – V2783 High Index– V2786 Special occupational multifocal

BILLING DMEPOSBILLING DMEPOS• Replacement lenses in frame

– Patients with dx of pseudophakia V43.41. Statutory, one pair after each cataract surgery, no replacements

– Patient with dx of aphakia V 379.31 orV743.45. Replacement covered when medically necessary (rx changes or worn out items, lost, stolen or irreparably damaged items

– Proof of loss or damages required. New order required


• Most claims will need two CMS forms

• Patient preference items on separate CMS forms except frame and progressive lenses


• Modifiers– KX must be used on medically necessary

options and have supporting documentation on file

– Only used for V2750, V2744, V2745, V2780, V2784

– If coverage criteria not met, the GA or GZ modifier must be used


• Modifiers– GA Must be used if a properly executed ABN

has been signed– GZ Must be used if a valid ABN not obtained

(will be a provider write off)– EY No physician order on file for this item.

(Only forV2750,V2744,V2745,V2780,V2784)– EY and GA modifiers go together


• Modifiers– RT and LT modifiers must be used with all lens

V codes except frames and low vision aids

– When lenses are provided bilaterally and the same code is used for both lenses, bill both codes on same line with RT LT modifier and 2 units of service


• Documentation – Verbal order– Supplier may dispense refractive lenses on a

verbal order followed by a written order. Verbal order must include the following elements

• Description of items• Name of beneficiary• Name of Physician• Date of order


• Documentation – Written order– Must contain following elements

• Beneficiary’s name• Detailed description of items• All options or additional features• Signature of prescribing physician• Date the order is signed


• Documentation – Proof of delivery– Required to verify the patient actually received

the lenses– Must be available upon request and if not, an

overpayment letter is sent– Must have patient name, detailed description of

item, patient signature,– Suppliers, their employees or anyone having

financial interest cannot sign on behalf of beneficiary


• Documentation – Misc.– Signed authorization to bill Medicare and

assign benefits to provider from patient– CMS Medicare DMEPOS supplier standard

form given to patient and noted in chart– Possible ABN form

BILLING DMEPOSBILLING DMEPOS• Common claim errors for refractive lenses

– Item 17b – NPI missing or inaccurate. Must be listed in PECOS

– Item 21 – Invalid diagnosis code– Item 24a – Inaccurate date of service – date of

service is the date beneficiary receives the item, not the date the item was ordered

– Item 24b – Non covered place of service. POS should never be 11 for DMEPOS items. POS should indicate where the beneficiary will use the item. (Generally POS 12-home)

GLAUCOMA CODES (BORDERLINE CODES)

• 365.00, (EXISTING) - (Pre-Glaucoma, unspecified)

• 365.01, (revised def.) – Open angle with borderline findings, low risk

• 365.02, (revised def.) – Anatomical narrow angle, primary angle closure suspect)

• 365.03, (existing) – Steroid responders

• 365.04, (existing) – Ocular hpertension

• 365.05, (new) – Open angle, with borderline findings, high risk

• 365.06, (new) – Primary angle closure without glaucoma damage

NEW GLAUCOMA STAGE CODES ADDED

(TO BE USED WITH EXISTING GLAUCOMA CODES)(365.10-.15) (365.20-.24) (365.31-.32) (365 .51 .52 .59) 365.60-.65)

• 365.70 – GLAUCOMA STATE UNSPECIFIED• 365.71 – MILD STAGE GLAUCOMA• 365.72 – MODERATE STAGE GLAUCOMA• 365.73 – SEVERE STAGE GLAUCOMA• 365.74 – INDETERMINATE STAGE

GLAUCOMA

DEFINITION OF GLAUCOMA STAGESDEFINITION OF GLAUCOMA STAGES

• MILD: Optic nerve changes consistent with glaucoma but NO visual field abnormalities on any visual field test OR abnormalities present only on Visual Field tests

• MODERATE: Optic nerve changes consistent with glaucoma AND glaucomatous visual field abnormalities in one hemifield and not within 5 degrees of fixation.

• SEVERE: Optic nerve changes consistent with glaucoma AND glaucomatous visual field abnormalities in both hemi-fields and/or loss within 5 degrees of fixation in at least one hemi-field

Glaucoma Code NotesGlaucoma Code Notes

• Code stage codes 365.71-74 immediately after primary diagnostic code.

• Must correlate with patient’s worse eye• Stage codes for mild, moderate, and severe will

be most common used.• Unspecified and indeterminate terms often result

in denial or request for additional documentation

Electronic Health Records (EHR)

• http://www.cms.gov/EHRIncentivePrograms/

January 2012: Final updates in January 2012: Final updates in Medicare, ICD-9 & CPT codes Medicare, ICD-9 & CPT codes

archived webinararchived webinar

http://www.aoa.org/x18392.xml#med-records-coding

ICD-10

• Originally October 1st, 2013

• Postponed to a later date that is currently unkown

COMPLYING WITH MEDICARE COMPLYING WITH MEDICARE SIGNATURE REQUIREMENTSSIGNATURE REQUIREMENTS

• In order for a signature to be valid, the following criteria must be met:– Services provided or ordered must be

authenticated by the ordering practitioner– Signatures are handwritten or electronic

(stamped signatures are not acceptable)– Signatures must be legible


• You may not add late signatures to medical records. If the practitioner’s signature is missing from the medical record, you may submit an attestation statement from the author.

• If you are audited and accused of a non-legible signature, you may submit a signature log attestation statement to support the identify of the illegible signature.

• What is a signature log– A typed listing of the provider(s) identifying their name

with a corresponding handwritten signature– You may create a signature log at any time– You may attest that a signature is yours by preparing a

statement signed by the author that the signature is, in fact his.


–Signatures must contain enough information to determine the date on which the service was performed/ ordered. If the entry immediately above or below the entry is dated, medical review may reasonably assume the date of the entry in question.

Guidelines for electronic signatures are;–Software products must include protections against modifications–The individual whose name is on the electronic signature bears the responsibility for the

authenticity of the signature–Part B and DME providers must use a qualified electronic prescribing system

UPDATE OF CURRENT TRENDS IN UPDATE OF CURRENT TRENDS IN WA LABOR AND INDUSTRIESWA LABOR AND INDUSTRIES

• New Provider List:

Am I going to be included?

Do I have to re-apply?

How do I re-apply?

http://www.lni.wa.gov/ClaimsIns/Providers/Becoming/Network/Default.asp

AN OVERVIEW OF DSHS BILLING AND AN OVERVIEW OF DSHS BILLING AND CODING INFORMATIONCODING INFORMATION

• Provider Publications Home Page: http://hrsa.dshs.wa.gov/download/Index.htm

• ProviderOne Billing and Resource Guide: http://hrsa.dshs.wa.gov/download/ProviderOne_Billing_and_

Resource_Guide.html

• Vision Hardware for Clients 20 Years of Age and Younger Billing Instructions: http://hrsa.dshs.wa.gov/download/Billing_Instructions_Webpages/Vision_Care.html

• Physician Related Services/Healthcare Professional Services Medicaid Provider Guide:http://hrsa.dshs.wa.gov/download/Billing_Instructions_Webpages/Physician-Related_Services.html (the Vision Care Services portion is located in Section B)

THE MECICARE LEARNING THE MECICARE LEARNING NETWORK (MLN)NETWORK (MLN)

“Everything you want to know about “Everything you want to know about Medicare for the OD”Medicare for the OD”

• http://www.cms.gov/MLNProducts/65_ophthalmology.asp#TopOfPage– Physician fee schedule lookup; – Physician fee schedule overview– Glaucoma screening– Age-related Macular Degeneration– NCCI Edits (How to use)– IOL technology– MLN ordering page– MLN Articles

HOW TO?????????HOW TO?????????• How to Search the Medicare Physicians Fee Schedule

booklet provides education on how to use the Medicare Physician Fee Schedule (MPFS), search for payment, pricing, (RVUs), and payment policies. http://www.cms.gov/MLNProducts/downloads/How_to_MPFS_Booklet_ICN901344.pdf

• How to Use the Medicare Coverage Database and How to use the National Correct Coding Initiative (NCCI) Tools. https://www.cms.gov/MLNProducts/downloads/MedicareCvrgeDatabase_ICN901346.pdf

• Other Products From the Medicare Learning Network®.

http://www.cms.gov/MLNProducts/

WHAT EVERY OFFICE SHOULD WHAT EVERY OFFICE SHOULD HAVE FOR EFFICIENT BILLINGHAVE FOR EFFICIENT BILLING

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CODES FOR OPTOMETRY 2012 Order through AOA communications department. www.aoa.org or

http://asoa.codingtoday.com/

ACCESS TO AOA CODING TODAY ON THE AOA WEBSITE AT:WWW.AOA.ORG/CODING.

ACCESS TO THE UPDATED OPW INSURANCE LIAISON WEB PAGE AT

WWW.EYES.ORG

WHAT EVERY OFFICE SHOULD WHAT EVERY OFFICE SHOULD HAVE FOR EFFICIENT BILLINGHAVE FOR EFFICIENT BILLING

COMPUTERIZED FEE CALCULATION SOFTWARE TO ESTABLISH YOUR FEES & EXACT INSURANCE REIMBURSEMENTS.

QUESTIONS ?QUESTIONS ?

WELCOME to the OPW EyeCare Benefits INSURANCE OVERVIEW Seminar HOSTED BY OPW & OPW EYECARE BENEFITS...

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Transcript of WELCOME to the OPW EyeCare Benefits INSURANCE OVERVIEW Seminar HOSTED BY OPW & OPW EYECARE BENEFITS...