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Dr. Neil S Schafran, OD
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Find vision insurance or eye care insurance for individuals and families
Vision insurance, underwritten by Golden Rule Insurance Company, is designed to help you cover and budget for ongoing vision care expenses like routine eye exams, prescription glasses and contact lenses. You can buy vision plans in addition to your health insurance or even with other supplemental plans, like a dental plan.
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Enter your ZIP code to see available plans in your area.
Questions? Call 1-866-487-9306
Choosing a vision insurance plan
Vision insurance plans can help you better manage your vision care costs by giving you the benefits you may need to take care your eye health. Learn why choosing UnitedHealthcare branded vision plans underwritten by Golden Rule may help you get more of the benefits you want.
Why choose UnitedHealthcare?
Find vision coverage for you and your family — it's available for all ages. 1
No waiting periods
Get access to vision care on day 1 of your plan — no waiting period.
Save by choosing a provider from a large national network of vision service and eyewear providers.
Experience the freedom to go out of network and still get benefits if you pay the difference between your plan allowance and your final cost.
What does vision insurance cover? What's the best vision insurance for you and your family?
We think you'll like what you see when you read more about our vision plans. You can buy vision insurance in two ways.
Standalone vision insurance plans
Vision insurance as a standalone plan has those same benefits and even more flexibility as you can choose a plan that covers glasses, contacts or both. 2
Combined dental and vision insurance plans
By adding a vision insurance rider to your dental insurance plan 3 you get access to vision care plan benefits like routine eye exams, allowances for prescription glasses and contacts and discounts on other vision services.
Ready to find a vision plan?
We think you'll like what you see when you learn more about our vision insurance plans.
Read more about plans available where you live
- Find plans by state on uhone.com
Find out more about our other coverage options – such as dental insurance
Check into dental plans that can include a vision insurance rider. 3
Need help finding a plan?
Answer a few questions to see which insurance options may be available for you.
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Spectera Vision Insurance Coverage
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VSP offers flexible vision insurance coverage, built just for you. Learn More
What is Spectera Vision Insurance?
Vision insurance is a type of health benefit. It fully or partially covers the following:
- Eye disorder treatments
- 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, allowing you to choose eye doctors and eyewear freely. This includes both ophthalmologists and optometrists. 3
What is the Benefit of a Spectera Vision Plan?
Various types of Spectera vision plans cover all or part of eye care costs with no waiting periods. 3 With these plans, you gain access to 20 to 40% discounts on:
- Various lens options
- Extra eyewear
- Laser vision correction
- Other vision services 3
Need vision Insurance? VSP has plans as low as $13/month. View Plans
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. 6
Plans vary by state. 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
Some states have a 12-month initial policy requirement.
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 . 3
Even people who are already covered under Medicare can apply for Spectera vision insurance.
VSP insurance coverage can help you save on glasses, contacts, eye exams, and more. Learn More
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:
- Lenses (including 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.
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.
Does Spectera Cover LASIK?
LASIK (laser-assisted in situ keratomileusis) is a type of refractive eye surgery that offers permanent results. 1 It uses lasers to correct issues like:
- Myopia (also known as nearsightedness)
- Hyperopia (also known as farsightedness)
However, insurance never covers LASIK eye surgery since it's considered an elective procedure. Most health insurance companies consider laser eye surgery a cosmetic procedure.
They do not cover laser eye surgery costs because it's not medically necessary. 1 Nonetheless, there are some alternative ways to help you save on LASIK eye surgery:
1. Flexible Spending Accounts (FSAs) or Health Savings Accounts (HSAs)
Some patients tap into their FSAs or HSAs to cover the costs of LASIK. FSA and HSA accounts are both pre-tax accounts that you can use to pay for LASIK. 2
FSA accounts are offered through your employer and are typically tied to traditional health plans. Meanwhile, HSA accounts must be linked to plans with high deductibles. 2
2. Health Reimbursement Accounts
Health reimbursement accounts are 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
3. Special Deals
Some eye care doctors or offices offer special deals. They may offer promotional discounts to attract and retain new patients.
4. QualSight LASIK
Q ualSight 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.
Spectera Vision Insurance offers coverage and significant savings for eye care and eyewear. They offer various plans that provide 20 to 40% discounts on vision services.
Coverage is available for people of all ages. Remember to ask your doctor whether they're one of Spectera’s in-network providers.
Keep in mind there are things that Spectera doesn't cover. You should confirm whether your insurance covers the costs of your eye care needs.
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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- Boyd, Kierstan. “ LASIK - Laser Eye Surgery .” American Academy of Ophthalmology , 2021.
- “ Financing LASIK or PRK .” LasikPlus .
- “ Health Insurance .” Add Vision Insurance To Your Health Coverage | UnitedHealthOne .
- “ Vision Plan Frequently Asked Questions .” Saint Mary's .
- “ Schedule Your Free LASIK Exam Today! ” LASIK Eye Surgery: Largest LASIK Plan in the USA | QualSight LASIK .
- “ Spectera .” Spectera .
- “ Vision Coverage - Healthcare.gov Glossary .” HealthCare.gov .
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Our eye doctors take Spectera vision insurance
Accepted vision plans >
Spectera Vision Insurance
Accepted vision plans >> Spectera
Wisconsin Vision Eye Doctors Accept Spectera Vision Insurance
Optometrists at all Wisconsin Vision locations are in-network providers for Spectera vision insurance members.
What does Spectera vision cover?
It depends on the specifics of your Spectera plan. We offer free coverage checks to help our patients understand exactly what’s covered by their Spectera insurance before getting started. Just stop by any of our eye care centers or give us a call and we’ll dig in!
Many Spectera plans cover most or part of the cost of:
- A comprehensive eye exam
- Eyeglasses , including frames & optical lenses
- Contact lenses
- Contact lens fittings and follow-ups
We make Spectera optical benefits easy to use
Frequently patients have questions about whether Spectera covers sunglasses, computer glasses, or specific types of lenses and lens treatments. The best way to understand how your Spectera benefits, allowances, copays, and discounts work is to have us check your coverage. Our opticians are experts at deciphering vision insurance benefits and will explain your best options in plain English.
Does Spectera cover sunglasses?
The exact coverage offered by Spectera will vary by plan, but in general Spectera vision plans do not cover non-prescription sunglasses. You may be able to use your annual benefits for prescription glasses to cover prescription sunglasses. There may also be discounts available for members who have used their annual benefits and want to purchase additional pairs of glasses or sunglasses.
To find out if your Spectera plan covers prescription or non-Rx sunglasses in any capacity, just give us a call and we’ll check your benefits for you.
Is Spectera associated with UnitedHealthcare Vision?
According to the UnitedHealthcare website, the vision insurance offered by UHC is powered by Spectera’s Eyecare Network. UnitedHealthcare actually owns and operates Spectera’s nationwide network of vision care providers.
The reason for the separation is to simplify the claims process for members who require eye care in a medical emergency (which would fall under the UnitedHealthcare medical network) versus routine eye care (such as an annual eye exam and glasses).
Wisconsin Vision optometrists accept both Spectera and UnitedHealthcare vision , along with most types of vision insurance . We also take CareCredit , flex dollars (FSA), and HSA to help make out-of-pocket costs more affordable.
Find Spectera vision providers in Wisconsin
Spectera vision insurance is accepted at all 26 of our locations, making it easy to find a Spectera vision provider in Wisconsin’s largest metro areas.
Frequently Asked Questions
What does spectera vision cover.
Eye care coverage varies by plan, but most plans will cover or at least give a discount on yearly eye exams, eyeglass frames & lenses and contact lenses & fittings. Spectera also covers prescription sunglasses. Members can also get a discount on LASIK.
How do I use my Spectera benefits?
We're happy to answer any questions you have about your vision insurance plan and its coverage. Just stop by any one of our 26 locations or give us a call!
Is Spectera part of UnitedHealthcare Vision?
UHC's vision insurance is offered by Spectera eyecare providers because UHC owns Spectera's network. Members can differentiate between the two by submitting emergency eye care claims to UHC and routine eye care claims to Spectera.
How do I find a Spectera provider?
You can use your Spectera benefits at any of our 26 locations. We also take CareCredit, FSA and HSA.
Madison area, waukesha area, fox valley area, racine area.
Northlake Mall: (704) 509-4490
Concord Mills: (980) 258-6039
Biltmore Park: (828) 684-3497
Asheville Mall: (828) 299-0055
North Carolina Eye Care You Can Trust
- May 26, 2021
Spectera Eye Exams in North Carolina: What You Need to Know!
Updated: Jun 27
Are you interested in learning more about Spectera vision insurance ?
Maybe you have Spectera and are looking for an eye doctor in the Charlotte or Asheville, NC area.
If so, look no further!
At Northlake Eye, w e proudly accept Spectera insurance! In fact, we accept a variety of vision AND medical insurances ( see a full list here ) .
Regardless of your situation, here are the most frequently asked questions we receive about Spectera .
RELATED: Learn about VSP vision insurance
What is Spectera ?
Spectera is a vision insurance company owned by UnitedHealthCare. The company prides itself on offering significant cost savings, a broad and diverse provider network, and freedom of choice on eyewear. In addition, Spectera offers discounts on vision correction surgery (such as LASIK and PRK).
How do I locate a Spectera provider?
Finding a Spectera provider is easy! Members have easy access to quality care through their broad network of eye care professionals in a range of settings. This includes local, independent eye care professionals and large retail optical chains.
To find a Spectera provider, pull up the Spectera provider locator page to research providers in your area. There you can search by location, provider name, or practice name.
Did we mention, we accept Spectera !?
What if my provider is not in-network with Spectera ?
With Spectera, you are able to see any provider you would like. However, if the provider is out-of-network, you may have to pay in full at the time of service then submit your claim on your own for reimbursement.
Doctors located at most private practices are typically out-of-network with Spectera.
How much does Spectera typically cost?
Fortunately, Spectera is available to individuals and can vary in cost, especially if you are signing up as an individual or with a company. Also, there is an array of plans to sign up for which range as little as $10.00 a month.
You can sign-up online without any enrollment fees and start taking advantage of the benefits on your selected enrollment date.
RELATED: Learn about EyeMed vision insurance
What does Spectera cover?
With Spectera, you will have an exam copay of $10 or more for a comprehensive eye exam.
Frames and lenses
Spectera provides a $150 frame allowance and covers in full single vision lenses, lined bifocals, and lined trifocals. Also, you'll have the option to add on important features like anti-glare, UV protection, transition lenses, and premium progressives.
Another feature on most Spectera plans is coverage for contact lens evaluations and materials. With all Spectera plans you will have a copay for contact lens evaluations (typically up to $0-$100) and then there may be an allowance for contact lens materials (often up to $125). Some plans only allow select lenses to be covered and the rest out of pocket.
Note: As with all other vision insurances, you will have to choose to use your benefits towards glasses OR contact lenses.
Are medically necessary contacts for dry eye or keratoconus covered by Spectera ?
The Spectera allowance provided for frames, lenses, and contact lenses can also be used towards medically necessary contact lenses (i.e. scleral, hybrid, or RGP lenses).
In most cases, this allowance does not cover the full cost of a medically necessary contact lens evaluation and materials.
RELATED: Learn about Community Eye Care vision insurance
Does Spectera cover diabetic eye exams?
No. Spectera provides comprehensive eye exams, however, diabetic eye exams are not included. With this in mind, medical insurance can be used for a comprehensive diabetic eye exam.
Does Spectera cover refractive surgery (LASIK or PRK)?
No. However, Spectera provides members with a discount on L ASIK services when using an in-network QualSight provider.
In the end, taking care of your eye health and wellness should be at the top of your health priority list! With its large provider network, exceptional coverage, and extensive member resources, Spectera insurance is one of the most affordable vision insurances on the market.
Interested in scheduling an eye exam with one of our optometrists? Give us a call or simply schedule online: Northlake Mall | Concord Mills | Biltmore Park | Asheville Mall
#insurance #contactlenses #glasses #refractivesurgery
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Accepted vision plans >> Spectera vision plans
Our eye doctors take Spectera vision plans
Eye boutique accepts spectera vision insurance.
Out eye doctors take Spectera for eye exams, eyeglasses and contacts. Not sure what your Spectera Vision plan covers? We're happy to look into it for you. Just visit or call one of our stores for a free benefits check.
Get the most from your Spectera vision benefits
Our opticians work with vision insurance companies all the time. They know the strategies insurers use to keep their own costs down, and how to help patients maximize the value of their vision benefits.
We'll gladly review all your options with you so you can make the best eye care choices for yourself and your family.
Find a Spectera Vision provider near you
Our eye doctors take Spectera Vision insurance at all our Chicago-area eye clinics:
Frequently Asked Questions
What does spectera vision coverage include.
Benefits, including copays and discounts, vary by plan. In general, Spectera Vision covers a yearly eye exam and provides an allowance for eyeglass frames and lenses or contact lenses.
An example of how Spectera coverage can work:
- One comprehensive eye exam per 12-month period with a $10 copay
- $130 allowance for eyeglass frames (plus a 30% discount on overage)
- Standard single vision, bifocal or trifocal prescription lenses with a $25 copay
- Standard scratch-resistant lens treatment
- Discounts on specialty optical lenses (like progressives) or other lens coatings (like anti-glare)
- Discounts up to 20% on additional pairs of glasses or prescription sunglasses once your benefits for the year have been used
Does Spectera cover contacts?
Your vision benefits from Spectera may cover a contact lens exam and fitting, two follow-up appointments, and contact lenses selected from approved brands. There may also be discounts available for additional types of contact lenses.
Our optometrists are in-network providers for Spectera Vision. Visit one of our stores for free coverage analysis and we’ll show you how to maximize your Spectera benefits at Eye Boutique.
Is Spectera part of UnitedHealthCare Vision?
Vision insurance through UnitedHealthCare is provided by the Spectera Eyecare Network, the second biggest eye care network nationwide.
Spectera is owned and operated by UnitedHealthCare.
What’s the difference between UnitedHealthCare Vision and Spectera Vision?
The UnitedHealthCare medical networks include eye doctors for vision emergencies.
Spectera Vision was created to establish a clear division between medical emergency eye doctors and routine eye care.
All providers in the Spectera Eyecare Network also take UnitedHealthCare vision insurance. Eye Boutique accepts United HealthCare vision insurance and Spectera vision insurance at all locations. (To provide the highest level of service to our patients, we accept most types of vision insurance.)
1273 S Naper Blvd, Naperville, IL 60540
1839 W. Irving Park Rd, Schaumburg, IL 60193
2239 W. Jefferson St, Joliet, IL 60435
1622 Commons Drive, Geneva, IL 60134
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- How to Become a Spectera Provider
Matt Geller, OD
This article was originally published in April 2015 and has been updated for 2021.
Step 1: Complete the introductory requirements
- Get your optometry license (see our guide that gives step-by-step instructions on how to get your optometry license in each state)
- Find a place to practice
- Get liability insurance
- Obtain your NPI number
- Begin the medicare enrollment process (see our 41 Step Guide to Become a Medicare Provider w/ Screenshots)
- Register with CAQH
Step 2: Begin the application to become a Spectera provider
Step 3: complete the form.
- Practice Name
- Phone Number
Step 4: Wait for the email
Step 5: wait 4-6 weeks, step-by-step credentialing guides.
The credentialing process for different insurance plans varies quite a bit. Some plans are relatively simple and others require much more work. The below guides walk you through the process for the most common vision and medical insurance plans.
- 41 Step Guide to Become a Medicare Provider w/ Screenshots
- How Optometrists join Medicare as an Independent Contractor 1099
- The Complete Medicare Resource List
- How to Become an AETNA Provider
- How to Become an AlwaysCare Provider
- How to Become a Blue Shield of California Provider
- How to Become a Davis Vision Provider
- How to Become an EyeBenefits Provider
- How to Become an Eyemed Provider
- How to Become an EyeQuest Provider
- How to Become a FEDVIP Provider
- How to Become a Humana Vision Provider
- How to Become a Humana Medical Provider
- How to Become a United Health Care Provider
- How to Become a Vision Plan of America Provider
- How to Become a Vision Benefits of America Provider
- How to Become a VSP Provider
Note: The author of the content you just read worked hard to provide you with this article. Even though we try our best, there is no guarantee the article is error free. Eyes On Eyecare, its sponsors, advertisers, staff and writers make no representation, warranty, or guarantee that this article and its contents are error-free and will bear no responsibility or liability for the results or consequences of the information contained within.
Matt Geller, OD is the co-founder and CEO of CovalentCreative - an independently owned digital marketing agency that provides content, creative, and technology services for forward-thinking eyecare organizations. CovalentCreative is the parent company of EyesOnEyecare.com - a digital publication that focuses on providing clinical and career education to the up-and-coming generation of optometrists and ophthalmologists.
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Paving & Driveway Contractors in Elektrostal'
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- Elektrostal', Moscow Oblast, Russia
Featured Reviews for Paving & Driveway Contractors in Elektrostal'
What types of services do driveway contractors and paving contractors provide, questions to ask a prospective driveway installation and maintenance professional:, find driveway & paving contractors near me on houzz, how do i find a local driveway installation & maintenance professional in elektrostal'.
- Reach out to the pro(s) you want, then share your vision to get the ball rolling.
- Request and compare quotes, then hire the Driveway Installation & Maintenance professional that perfectly fits your project and budget limits.
What services do Driveway Installation & Maintenance companies provide in Elektrostal'?
- Concrete Driveway Installation
- Driveway Resurfacing
- Driveway Sealing
- Land Leveling & Grading
How many Driveway Installation & Maintenance professionals are in Elektrostal'?
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