Plan Features | Benefit Co-Payments | In-Network Benefits | Monthly Premiums | Eye Surgery

Plan Features

  • No deductibles
  • No waiting periods
  • Your choice of network providers
  • One pair of standard frames each 24 months
  • A vision examination annually
  • One pair of single vision or standard lined multi-focal lenses (or)
  • Contact lenses each 12 months
  • Benefits provided In-Network only
  • Laser eye surgery benefits through Laser Vision Network of America
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Brochure:

Benefit Co-Payments

Examinations $15.00
Materials $25.00

 

In-Network Benefits
Use one of Spectera, Inc.'s retail chain eye care providers

In-Network Provider Access: Call Spectera at 1-800-839-3242 or go online at www.spectera.com

Exam: A complete vision examination by a participating optometrist or ophthalmologist every 12 month with a $15 co-pay each year.

Lenses: If prescribed, a pair of single vision or standard lined multi-focal lenses every 12 months with a $25 co-pay each year.

Contact Lenses: After a $25 co-pay each year, Spectera Inc’s contact lense benefit covers in full the fitting / evaluation fees, contacts (disposable contacts / up to 4 boxes, depending on the prescription and plan selected), and up to two follow up visits. A $105 allowance is applied toward the fitting/evaluation fees and purchase of contact lenses outside of Spectera, Inc.’s covered-in-full contacts (materials co-pay does not apply). Toric, gas permeable, and bifocal contacts are all examples of contacts that are outside of our covered-in-full selection. Any amount over the allowance is the patient’s responsibility.

Frames: Your choice from a wide selection of fashionable frames will be covered-in-full every 24 months. The materials co-pay is a single payment that applies to the entire purchase of eyeglasses (lenses and frames), or contacts in lieu of eyeglasses. If you select a frame from outside the covered selection, you will be given a minimum $130 frame allowance for frames purchased at retail chain providers.

Patient Options: Should you select items not covered by the program, such as: progressive lenses, tints, coatings, etc., there will be an additional charge. These charges, however, are below usual retail costs. (Standard Scratch coating is covered in full at no cost to the insured).

 

Monthly Premium Individual Rates
Two year rate guarantee. Available to individuals by: monthly bank draft or credit card.

Standard Premium Rates
Member
$10.50
Member & One
$16.50
Member & Family
$23.15
Rates include a $2 billing fee.

 

 
Available
States
 AR, AL, AZ, CA,CO, CT, DC, DE, FL, GA, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, WA, WI, WY, WV

 

 

Access to Refractive Eye Surgery Procedures

The Laser Vision Network of America (LVNA), a nationwide network servicing Spectera, Inc. members, is comprised of more than 300 laser vision providers.  The network was established in 1999 and offers the most extensive geographic coverage in the U.S.  We currently serve over 75 million members through some of the largest health and vision insurers in the industry.

  • All surgeons are credentialed to NCQA recommended standards ensuring the highest quality in patient care.
  • By combining LasikPlus Vision Centers with independent surgeons, members have the broadest choice of laser technology in the industry.
  • Our call center is staffed exclusively with LASIK trained representatives available to assist you 7 days a week.

As a participating provider in this panel, our surgeons make laser vision correction more available and affordable to millions of potential patients.  Members and dependents are entitled to one of the following discounts not available to the general public: 

• 15% off "Standard" or "Usual & Customary" Price
 - or -
• 5% off any Promotional Price

Not only are members given a meaningful discount, but that discount is applied to prices that are below the national average.  See comparison below:

Average Prices for LASIK:

  • National  = $1,700 per eye
  • LVNA  = $1,560 per eye (prior to discount)
  • LasikPlus Vision Centers, which are part of the LVNA  = $ 1,300 per eye (prior to discount)

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