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Vision insurance is a type of health benefit. It fully or partially covers eye exams, eye disorder treatments, glasses, and contact lenses.7
Spectera is a type of vision insurance, underwritten by Golden Rule Insurance Company. It offers significant cost savings on eye care and eyewear.
Spectera vision insurance is tied to a broad provider network, which allows you to freely choose eye doctors and eyewear. This includes both ophthalmologists and optometrists.3
There are various types of Spectera vision plans that cover all or part of the costs of eye care with no waiting periods.3 With these plans, you gain access to 20 to 40 percent discounts on various lens options, extra eyewear, laser vision correction, and more.3
VSP offers flexible vision insurance coverage, built just for you. Learn More
There are several different types of Spectera plans for vision coverage. No two plans offer the same benefits.
You also have the option to choose from standalone vision insurance plans that cover glasses, contacts, or both. Or, you can combine dental insurance with your vision insurance through Spectera.6
Plans vary by state. Generally, you have two options:
Some states have a 12-month initial policy requirement.
Spectera vision care insurance offers coverage for people of all ages. However, the primary insured must be at least 18 years old.3
Even people who are already covered under Medicare can apply for Spectera vision insurance.
Need vision Insurance? VSP has plans as low as $13/month. View Plans
Spectera has many vision benefits that cover a variety of eye-care needs. While plans vary and different eye doctors offer unique services, Spectera generally covers:
You may be covered for one eye exam in a 12-month period. Likewise, many plans offer new coverage for lenses or frames every year. If you choose disposable contact lenses over extended wear lenses, you may be eligible for coverage of several boxes per year.
Check the different vision plans to make sure you choose a comprehensive vision care plan that covers what you need.
While there are plenty of Spectera benefits to help you cover the costs of your eye care, keep in mind that not everything is covered.
Unfortunately, Spectera does not cover:
Also, if your eye doctor is not one of Spectera’s in-network providers, you may have to pay out of pocket.
If you need additional services, like more eye exams, they may not be covered either. Similarly, if you need to purchase more contact lenses than your plan allows, you may need to pay out of pocket for them.
VSP insurance coverage can help you save on glasses, contacts, eye exams, and more. Learn More
LASIK (laser-assisted in situ keratomileusis) is a type of refractive eye surgery. It uses lasers to correct issues like myopia (also known as nearsightedness), hyperopia (also known as farsightedness), and astigmatism. LASIK offers permanent results.1
However, insurance never covers LASIK eye surgery. This is because it is considered an elective procedure. Most health insurance companies consider laser eye surgery a cosmetic procedure. Because it is not medically necessary, they do not cover it.1
Nonetheless, there are some alternative ways to help you save on LASIK eye surgery:
FSA accounts are offered through your employer and typically tied to traditional health plans. Meanwhile, HSA accounts must be linked to plans with high deductibles.2
Health reimbursement accounts refer to employer-funded health benefit plans that reimburse employees for certain out-of-pocket healthcare expenses.
In some cases, they may also cover the costs of premiums for health insurance plans. You may be able to use a health reimbursement account to cover LASIK.2
Look for special deals offered by some eye care doctors or offices. Some offices may offer promotional discounts to attract and retain new patients.
QualSight LASIK makes up the largest network of credentialed LASIK eye surgeons across the U.S. With Spectera insurance, you can access discounted laser procedures through QualSight LASIK.5
Talk to your eye doctor about whether or not LASIK is right for you. Your Spectera vision provider can also discuss alternative options.
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VSP has the nation's largest network of independent vision doctors. Protect your health and save money today. Check Their Network
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