National Healthcare Access, Inc. : HBA Mahoning Valley

Full Service Program
25% or more Employer Paid

	*Enhanced Plan B	Plan C
Examination	Once every 12 months	Once every 12 months
Lenses	Once every 12 months	Once every 12 months
Frames	Once every 24 months	Once every 12 months

* When members choose contact lenses instead of glasses, they will be elligible for a frame tweleve months from the date contact lenses were obtained.

Copayment	Single	Employee + 1	Family
Plan B - $10 total copay	$10.23	$15.62	$28.00
Plan B - $10/$25 split copay	$6.68	$10.20	$18.28
Plan C - $10 total copay	$12.62	$19.26	$34.54
Plan C - $10/$25 split copay	$8.24	$12.58	$22.55

The Total copay applies to an examination and materials (lenses and/or frame), whatever services are received first. For the Split copay, the first copay applies to an exam and the second copay applies to materials.

These rates are valid for an effective date on or prior to July 1, 2006. There must be 50 or more employees enrolled before the plan will be implemented.

The above plan includes the following benefits at a VSP member doctor:

$46 wholesale frame allowance ($120 retail equivalent)
$120 elective contact lens allowance
polycarbonate lenses for children and handicapped dependents after any copay

TWO YEAR RATE GUARANTEE

Contracts will be issued for two years unless other arrangements are made with VSP in advance. We will consider longer rate guarantees, but of course at higher rates. If it is necessary to raise our rates at the end of the contract period, or any month thereafter, you will be notified at least 60 days in advance. These rates are based on the assumption that VSP will receive these amounts over the full plan term. Financial penalties may apply in the event of early termination of the contract

Your Proposed Plan Design

Benefits	Member Doctor¹	Out of Network³
Examination	100 percent	up to $35.00
Single Vision Lenses	100 percent	up to $25.00
Bifocal Lenses	100 percent	up to $40.00
Trifocal Lenses	100 percent	up to $55.00
Lenticular	100 percent	up to $80.00
Frame	Covered in full up to $46 wholesale or for a minimum of $120 retail, whichever provides the greatest coverage⁵.	up to $45.00

Contact Lenses, Evaluation and Fitting²
Necessary⁴	100 percent	up to $210.00
Elective⁴	up to $120.00 (15% discount off professional services) Current soft contact lens wearers may qualify for a special contact lens program that includes a contact lens evaluation and initial supply of replacement lenses. Learn more from your doctor or vsp.com	up to $105.00

¹ When an examination and/or materials are received from a VSP member doctor, the patient will have no out-of-pocket expense other than the copayment, unless optional items are selected that the plan does not cover.Optional items may include, but are not limited to, oversize lenses (61 mm or larger), tinted or photochromic lenses, coated lenses, no-line multi-focal lenses, or a frame which exceeds the plan allowance.

² Contact lenses are instead of lenses and frames. The above lens allowances are for two lenses; if only one lens is needed the allowance will be one half of the pair allowance.

³ Services obtained out-of-network are subject to the same copayments and limitations as services through VSP member doctors.

⁴ VSP will determine when contact lenses are "necessary" on the same basis as with member doctors. Otherwise, the "elective" allowance will prevail.

⁵ VSP's frame benefit full covers more then 15,000 of the frames currently available. Due to this large selelection and the fact that buying habits and tasts differ from one region to the next, frame inventories may vary from office to office. When deciding on a frame, members can choose a frame up to $120.00 retail. Patients will receive a 20% discount on frames over their frame allowance.

Full Service Program 25% or more Employer Paid

Your Proposed Plan Design

Full Service Program
25% or more Employer Paid