Optometry
Optical maximums run on a two-year cycle almost nobody tracks. We can tell a patient the actual date — and a patient who knows they are eligible books.
- Half of them think they are not eligible yet.
Optical coverage renews on a cycle rather than a calendar, usually twenty-four months, and hardly anyone knows where they sit in it. So two things happen: patients who became eligible eight months ago have not come in, and patients who assume they are not eligible do not call to find out. Reading the plan answers it in a sentence, and the answer is a booking either way.
What we bring
Two things, and the pair is the point. One is what we give your patients. One is what we send through your door.
The Insider Read
A free, licensed review of your patients' benefits booklet and coverage questions. One page back: the relevant definitions, limits and questions to raise with the carrier. We can also check how coordination with a spouse's plan is described and whether a health spending account is listed.
We commonly find up to 50% more usable coverage — in the best cases it doubles. They spend it in the chair they are already sitting in.
See what a patient actually receives →Referrals
Every plan member we work with carries dental and optical coverage, and a lot of them have nowhere they use it. When we read someone's benefits and they have no clinic, we match them to a partner in their area — or virtually, where that works — with their coverage already understood before they call you.
If you offer virtual sessions, your catchment is the province. We match those members anywhere in Ontario, not just the ones near you.
They arrive knowing exactly what they are covered for. Nobody is phoning your front desk to ask what their plan pays.
What the partnership involves
| What you get | How it works |
|---|---|
| More booked visits from patients already on your schedule | Patients understand the coverage they already have |
| Patients routed to you who need treatment now | Matched by location, discipline and coverage |
| A free, no-obligation valuation of your own staff plan | Nothing — and it does not touch your current broker |
| A licensed insider available free to every one of your patients | Nothing |
| Patient information you hand us | None. Ever. |
You don't give us any patient information. Ever. There is a card at your front desk, and a patient scans it themselves if they want to. You are not referring anyone.
Why us, and not somebody else
A licensed Ontario advisor reviews benefits booklet wording and helps patients identify questions for their carrier. Each plan has its own definitions, limits and eligibility terms; a review does not predict a coverage decision.
What's in it for us — said plainly
We are a group benefits brokerage, and we are paid by carriers when a plan is placed, the way every brokerage is. Two things can come out of a partnership like this.
Your clinic may decide to let us value your own staff plan — free, no obligation, and it does not touch your current broker.
And some of the patients we read work for employers whose plans are measurably under-built. Occasionally — and only with that member's written consent — that becomes a conversation with their employer. Most of the time it does not, and we do the read anyway.
It is a long game and we would rather be upfront about it than have you wonder.
Questions owners ask
- "We already have a broker."
- Good — most clinics we talk to do. This does not touch that. The patient side is separate, and the review of your own plan is free either way. If your broker is doing the job, Hari will tell you so.
- "We can't refer patients to a business — that's a College issue."
- Agreed, and we would not ask you to. Nobody refers anyone. There is a card, and the patient decides. No patient information comes to us from your office.
- "You can't actually change my patients' coverage."
- Correct — only an employer can change a plan. Two things we do do: we read the plan they already have and find the parts they are not using, which is where the 'up to 50%' best-case comes from. And on plans where we hold the broker of record, we are at the table when the maximums get set. That is the licence, not a promise on any one file.
- "What does it cost?"
- The patient reviews and the valuation of your own staff plan are free. We are paid by the carrier when a plan is placed, like any brokerage. Discuss partnership details with Hari.
- "How many patients would we actually get?"
- We do not invent a number. It depends on the files in our book, your disciplines and your location. What we can tell you is where they come from and how fast they move — and Hari can tell you what he is routing in your region.
Fifteen minutes. Where your region sits on paramedical maximums, what we are seeing on disability and auto files since July, and a free read of your own staff plan if you want one.
Book a partnership callYou never hand us a patient's name.
Insurance services through HLVC | Insurance & Benefits Advisory are provided by Harikaran Loganathan, an Ontario Life Insurance Agent (FSRA Licence #26250965). The Insider Read is a free, no-obligation review and is not an offer of insurance. "Up to 50%" and "doubles" are best cases built on spousal coordination and unused spending accounts, not a promise. Claim outcomes depend on policy wording, medical evidence and carrier discretion. Your employer is not contacted without your written consent.