Spectera Vision Insurance Coverage

Spectra offers significant cost savings on eye care and eyewear. It’s tied to a broad provider network, allowing you to choose eye doctors and eyewear freely. This includes both ophthalmologists and optometrists.

In this article, we'll discuss what Spectera covers, the different types of plans available, and the benefits of choosing Spectera vision insurance. We'll also discuss what's not covered and provide insights into eligibility requirements.

What Does Spectera Cover?

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:

• Eye exams
• Glasses (single-vision lenses, bifocals, trifocals, and lenticular lenses, as well as a standard scratch-resistant coating for lenses if prescribed)
• Contact lenses (including bifocal contact lenses, gas-permeable contact lenses, soft contact lenses, and disposable contact lenses)
• Prescription sunglasses
• Eyeglass frames
• Eyeglass fittings and adjustments

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 yearly. Check the different vision plans to ensure you choose a comprehensive vision care plan that covers your needs.

Types of Spectera Plans for Vision Coverage

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.

Plans vary by state, some states have a 12-month initial policy requirement. Generally, you have two options:

• Plan A. This covers your needs for eyewear or contact lenses instead of glasses
• Plan B. This covers your needs for both contacts and glasses

What Are the Benefits of a Spectera Vision Plan?

Various types of Spectera vision plans cover all or part of eye care costs with no waiting periods. With these plans, you gain access to 20 to 40% discounts on:

• Various lens options
• Extra eyewear
• Laser vision correction
• Other vision services

Who is Eligible for Spectera Vision Insurance?

Spectera vision care insurance offers coverage for people of all ages. However, the primary insured must be at least 18 years old. Even people who are already covered under Medicare can apply for Spectera vision insurance.

Does Spectera Cover LASIK?

LASIK eye surgery is typically not covered by insurance because it’s considered an elective procedure. Additionally, most insurance companies consider laser eye surgery a cosmetic procedure.

What Doesn’t Spectera Cover?

While plenty of Spectera benefits help you cover the costs of your eye care, remember that not everything is covered. Unfortunately, Spectera doesn’t cover:

• Certain surgical eye procedures
• Corrective vision treatments
• Experimental vision treatments
• Missed appointment charges
• Sales tax charges on services for vision care
• Eye exams required by employers as conditions of employment
• Eye care extras, like accessories
• Certain cosmetic contact lenses, like colored contacts
• Nonprescription eyewear (only prescription glasses and contacts are covered)
• Nonprescription contact lenses
• Broken eyeglasses

Also, if your eye doctor is not one of Spectera’s in-network providers, you may have to pay out of pocket. Similarly, if you need to purchase more contact lenses than your plan allows, you may need to pay out of pocket for them. Additional services, like more eye exams, may not be covered either.