We suggest that you use your optical benefits only for full services, which include glasses or contacts along with an eye exam. If you use your benefits and only get the exam we will pay $20 toward an exam fee, but you will be deemed to have used the entire benefit amount and will not be eligible for another optical benefit for two years. Instead, if you pay for your exam directly and save the benefit, you can use it when you are ready to purchase your frames or lenses.