Policyholder means the employer named as the Policyholder in the face page of the Policy. PPO Service Area means the geographical area where the PPO is located. Preferred Provider Agreement means the agreement between the PPO and a Provider who agrees to become an In-Network Provider. The Preferred Provider Agreement contains the rates and reimbursement methods for services and supplies furnished by an In-Network Provider. Preferred Provider Organization (“PPO”) means a network of Providers and retail chain stores within the PPO Service Area that have signed a Preferred Provider Agreement. Provider means a licensed physician or optometrist who is operating within the scope of his or her license. Provider also includes a dispensing optician. Refraction means a test performed by a Provider to determine the glasses or contact lens prescription due to a refractive error (for example, nearsightedness, farsightedness, astigmatism or presbyopia). Vision Examination means any eye or visual examination covered under the Policy and shown in the Schedule of Benefits. Vision Materials means those materials provided for visual health and welfare shown in the Schedule of Benefits. EFFECTIVE DATES Effective Date of Insured’s Insurance. The Insured’s insurance will be effective as follows: 1. if the Policyholder does not require the Insured to contribute toward the premium for this coverage, the Insured’s insurance will be effective on the date the Insured becomes eligible; 2. if the Policyholder requires the Insured to contribute toward the premium for this coverage, the Insured’s insurance will be effective on the date the Insured becomes eligible, provided; a. the Insured has given the Company the Insured’s enrollment form (if required) on, prior to, or within 30 days of the date the Insured becomes eligible; and b. the Insured has agreed to pay the required premium contributions; and 3. if the Insured fails to meet the requirements of 2 a) and 2 b) within 30 days after becoming eligible, the Insured’s coverage will not become effective until the Company has verified that the Insured has met these requirements. The Insured will then be advised of the Insured’s effective date. Effective Date of Dependents’ Insurance. Coverage for Dependents becomes effective on the later of: 1. the date Dependent coverage is first included in the Insured’s coverage; or 2. the premium due date on or after the date the person first qualifies as the Insured’s Dependent. If an enrollment form is required, the Insured must provide such form and agree to pay any premium contribution that may be required prior to coverage becoming effective. If the Insured and the Insured’s spouse are both Insureds, one Insured may request to be a Dependent spouse of the other. A Dependent child may not be covered by more than one Insured. Newborn Children. A Dependent child born while the Insured’s coverage is in force will be covered from the moment of birth for 31 days or a greater number of days, if elected by the Policyholder. To continue coverage beyond this period, the Insured must provide notice to the Company and agree to pay any premium contribution that may be required within this period. Adopted Children. If a Dependent child is placed with the Insured for adoption while the Insured’s coverage is in force, this child will be covered from the earlier of: 1) the date of placement for the purpose of adoption; or 2) the date of the entry of an order granting the Insured custody of the child for purposes of adoption for 31 days or a greater number of days, if C-9184IN 4