The HLEye Vision Plan
Hopewell-Lambertville Eye Associates has a better idea. Offer better eye and health care benefits to your staff and their families at no cost of a wasted premium.
The HLEyeVisionPlan.com is a very simple and straightforward way for your staff and their families to obtain experienced, quality and comprehensive eye-care // health care at a reduced rate consistent with the present vision plans available on the market, but without paying any premiums.
HLEYEVISIONPLAN.com has a better idea
Offer the same and better benefits to your staff without the cost of a wasted premium.
Equivalent or Better benefits when using HLEYEVISIONPLAN.COM with NO Premium
Eye Care Is Essential Health Care
| Vision Plans: Premium Based | HLEYEVISIONPLAN: NO Premium |
| Average Cost per month: $16 to $25 x 12 months or $192 to $300 per year | No cost |
| Annual Premium: Average cost per year: $192 to $300 per year | No cost |
| Screening Health Exam for Eyeglasses / Basic Health Assessment : covered by plan with co-pay ($ 85 value) (Wellness imaging separate charge) | Screening Health Exam for Eyeglasses / Basic Health Assessment (charge for exam $85) (Wellness imaging separate charge) If a medical condition exists : then the exam would be submitted to the medical carrier – however deductibles will apply |
| Medical Eye Health Services : NOT Covered Required to be administered by Medical Health Insurance | Medical Eye Health: Covered through employee medical insurance: Health Exam covered if deemed medically appropriate. Exam would be submitted to the medical carrier – however deductibles and co-pays will apply. |
| Average Frame allowance: Range from $75 to $130 | Average Frame savings: Range from $75 to $130 |
| Average Lens Allowance: Varies on the need for single vision versus Bifocal /Progressive lens correction: Patient pays the difference of a minimal allowance against full retail cost. | Average Lens Allowance: 30% of all lenses and frames We also have cost savings packages which included lenses and frame at a lesser cost the vision plans with allowances |
| Benefit availability: Exams Once per year for exam, eyeglasses or contacts | Benefit availability: Exams Ongoing program no calendar restrictions |
| Benefit availability: Eyeglasses / Contacts Once per year | Benefit availability: Eyeglasses / Contacts No restrictions using our discount program or eyeglass packages |
| Benefits availability: contact lenses Once per year: range $10 to $130 | Benefits availability: contact lenses Annual supply: limited to manufacturers rebates with a maximum discount of 5% per purchase on specified supply. |
| Verification Process: Once employee is enrolled – our office will obtain their authorization online. | Verification Process: Our office will call the employer to verify employment at the time of service. |
| Plan Participation: Employee and Family (spouse, significant other and kids) | Plan Participation: Employee and Family (spouse, significant other and kids), |
| Plan Availability Per Company Requires company to have a minimum participation rate with the potential of employer cost | Plan Availability per Company NO minimum participation requirement and no cost to the employer |
How do traditional corporate sponsored “vision plan” work ?
First of all: Vision plans offered to your company are not “insurance”. They are not regulated by the New Jersey State Department of Banking and Insurance (DOBI). Vision plans are forms of “pay for a discount” program which is very costly to you and your staff.
How do traditional corporate sponsored “vision plans” work ?
When your company selects a “vision plan” for your staff, you are essentially purchasing a discount rate for a very basic eye exam and a percent discount off eyeglasses at an area provider. In so many words, you and your staff are spending a substantial amounts of money to be eligible for a discount on elevated pricing.
Corporate or retail store based vision plan, offers a questionable discount on products that are marked up significantly. An example, CraftyLens will mark up a frame to i.e. $350 and then discount it 30% to $245 to the vision plan patient. If that same patient came into the store without the vision plan, they would have been charged $245 for the same frame. The “vision plan” patient has bought a discount on an item that really was never discounted. In essence, the cost paid by the patient using the “vision plan” is the same as the “retail price” the store would have charged normally.
The way most vision plans are presented to the human resource director is based on the basic frame and lens options. This makes the program appear to be a highly discounted program until the additional co-pays for itemized options are determined. Once the co-pays are itemized and charged to the patient, the equivalent discount off the standard retail price is approximately 30% plus the annual premium. In so many words, the employee is paying for a discount. Why????
What happens with the premium your employee pays each month ? The employee or employer pays a premium, let’s say $16 to $25 per employee per month or $192 to $250 per individual per year. This purchases a very basic or routine eye exam which does not include a full ophthalmic evaluation when the patient is at risk of diabetic, hypertensive or vascular related eye disease, cataracts, glaucoma, macular degeneration or other eye health problems. The routine wellness exam is defined by “ vision plans” as a screening exam only, not comprehensive.
In reality, the “vision plan” pays the provider only a very small amount of the $192 to $250, the patient is required to pay substantial co-pays on exam and eyeglasses or contact lenses. The only person making money on the deal are the administrators at the company whom owns the vision plan.
The benefit of any vision plan program is that it facilitates the employee and their family to seek wellness – eye health care, a very important entry point into the overall health care system. HLVisionplan.com is simply offering your company a more cost efficient alternative consistent and better than the traditional vision plans.
FYI: Luxottica (Italy) owns Luxottica Eyewear, but also the vision plan called EyeMed and also owns LensCrafters, Pearle Vision, Sears Vision Centers, Target Vision Centers, and BJ’s Vision Centers.