Vision Insurance - Spectera

Spectera touts its principals of high quality while maintaining affordable costs associated with vision care. Their vision plans offer flexible programs, with and without co-pays, and with a full range of choice of frequency options and methods of funding.

Spectera's benefits include:

Comprehensive Eye Exams-the eye doctors that partner with Spectera provide complete and thorough vision exams which include both the diagnosis and a treatment plan if required. Frames-Most frames on the market today are covered, in full, except for applicable co-pays. Contact Lenses-Spectera's contact lens benefits are unparalleled in the market. The exam, the fitting, the contacts (even disposables) and up to two follow-up visits are covered in full, after the applicable co-pay. Laser Eye Surgery-partnering with the Laser Vision Network of America, Spectera members have access to substantially discounted laser eye surgery. Members have access to more than 400 NCQA, National Committee for Quality Assurance, credentialed laser vision locations and receive a 15% discount off the standard or usual and customary price, or 5% off of any promotional price that may be offered at the time.

Spectera is proud of its unmatched network availability. Not only do their clients include both private and retail chain providers, but they own their own chain of United Optical stores. This means that most members of Spectera will have no problem finding a conveniently-located provider. From their site you can even look for a provider before ever signing up, which ensures that you will have the access you need. You can search on either your zip code and within up to a 50 mile radius or you can search by city and state. You can also search by doctor or practice name and get complete driving directions. How could it get any easier?

Spectera also has the means to oversee their quality control and cost containment. Spectera's optical laboratory, Crown Optical, maintains stringent quality standards, even more than the ANSI, the American National Standards Institute. Leading edge technology and software has resulted in the highest quality and efficiency in the fabrication of eyeglasses in the industry. And in order to deliver on their cost-containment pledge, Spectera's providers deliver services at 20 to 40 percent below the usual and customary charges for eye exams, lenses and frames. Spectera even has a double-claims system in place, allowing for easy processing of both electronic and paper claims.

Spectera also offers in and out-of-network benefits and has a handy toll-free number and an email support system to determine coverage and to help in the claims process.

So, when making a decision on vision insurance, or if you are a company looking for vision coverage for your employees, make sure to include Spectera in your cost and benefit comparison.

Tips to Get Great Vision But With Help From Insurance   

Vision Insurance - Spectera

Spectera touts its principals of high quality while maintaining affordable costs associated with vision care. Their vision plans offer flexible programs, with and without co-pays, and with a full range of choice of frequency options and methods of funding.

Spectera's benefits include:

Comprehensive Eye Exams-the eye doctors that partner with Spectera provide complete and thorough vision exams which include both the diagnosis and a treatment plan if required. Frames-Most frames on the market today are covered, in full, except for applicable co-pays. Contact Lenses-Spectera's contact lens benefits are unparalleled in the market. The exam, the fitting, the contacts (even disposables) and up to two follow-up visits are covered in full, after the applicable co-pay. Laser Eye Surgery-partnering with the Laser Vision Network of America, Spectera members have access to substantially discounted laser eye surgery. Members have access to more than 400 NCQA, National Committee for Quality Assurance, credentialed laser vision locations and receive a 15% discount off the standard or usual and customary price, or 5% off of any promotional price that may be offered at the time.

Spectera is proud of its unmatched network availability. Not only do their clients include both private and retail chain providers, but they own their own chain of United Optical stores. This means that most members of Spectera will have no problem finding a conveniently-located provider. From their site you can even look for a provider before ever signing up, which ensures that you will have the access you need. You can search on either your zip code and within up to a 50 mile radius or you can search by city and state. You can also search by doctor or practice name and get complete driving directions. How could it get any easier?

Spectera also has the means to oversee their quality control and cost containment. Spectera's optical laboratory, Crown Optical, maintains stringent quality standards, even more than the ANSI, the American National Standards Institute. Leading edge technology and software has resulted in the highest quality and efficiency in the fabrication of eyeglasses in the industry. And in order to deliver on their cost-containment pledge, Spectera's providers deliver services at 20 to 40 percent below the usual and customary charges for eye exams, lenses and frames. Spectera even has a double-claims system in place, allowing for easy processing of both electronic and paper claims.

Spectera also offers in and out-of-network benefits and has a handy toll-free number and an email support system to determine coverage and to help in the claims process.

So, when making a decision on vision insurance, or if you are a company looking for vision coverage for your employees, make sure to include Spectera in your cost and benefit comparison.

Tips to Get Great Vision But With Help From Insurance   

How to Find Out If You Need Individual Vision Insurance?

For people with vision problems, vision insurance can be a real life saver. When you consider that one has to spend anywhere from a few hundred to a few thousand dollars every year on prescription glasses, contact lenses, and regular eye visits, it makes a lot of sense to get insured and drastically cut down these costs.

Individual vision insurance can be easily obtained through your employer. Most companies offer individual as well as group packages to insure not just yourself but also your family. This is a great plan for families that have more than one person with vision problems.

There have been cases when insurance providers haven't lived up to their promises and charged people hundreds of dollars through some clause in the fine print of the contract. Therefore, it is recommended that you carefully go through your policy and comb out any suspicious clause that may have you pay hundreds of dollars extra for treatment.

Points like the one mentioned above make many people think whether individual vision insurance is even a justified expense. After all, a policy costs around $15-20 each month. If you have just mild vision problems, can take care of your contact lenses/prescription glasses (i.e. you can manage not to break/lose them), then your total expenses for treatment every year might be just around the expenses on an insurance policy. For such people, it may make financial sense to not purchase such a policy.

But for others who have severe vision problems or keep on losing/breaking their prescription glasses and contact lenses, individual insurance can cut down the costs drastically. You can literally save hundreds of dollars, especially on prescription glasses and contact lenses, which usually cost hundreds of dollars.

In the end, you have to sit down and analyze your total expenses every year on vision related problems. If it is more than $150, then by all means, go for a vision insurance policy.

Tips to Get Great Vision But With Help From Insurance   

Vision Insurance Plans

Visiting a qualified eye care professional for a routine eye examination is crucial to ensuring the long-term health of the eyes. The high-costs of eye examinations can often leave a strain on the families' finances if one of the vision insurance plans isn't in place. And the cost-effective plans are easy to arrange and cover everyone in the immediate family                 

Vision insurance is often a supplemental aspect to a regular health or medical indemnity plan. A standard health policy is there to provide care and treatment for unexpected eye disease or injury. The vision insurance is to cover eye care expenses and the fees for routine eye examinations, including glaucoma and cataract screening, as well as corrective lenses or eyewear. A doctor or clinic that's associated with the organization examines the patients.

Eye care insurance policies offer discounts on - annual eye check-ups, prescription lenses and frames, contact lenses, non-prescription sunglasses, eye drops and medication. And often at extra cost, discounted rates for LASIK or PRK vision correction treatment.

When viewing the availability of vision indemnity schemes its essential to compare the extent of coverage. Restrictions and limitations will vary with the specific plans and insurance providers. Some schemes cover the fees for an annual eye exam, but do not help with the cost of glasses or contact lenses. Savings in the region of 20% to 55% are often seen in these care plans.

In view of the number of adult US citizens that wear contact lenses or glasses, with latest studies indicating this figure at 63%, it shows the importance of having adequate vision insurance plans in force. Taking the steps to ensure preventive care of the eyes is essential to ensure the long term health of vision in later years.

Tips to Get Great Vision But With Help From Insurance   

Individual Vision Insurance - What is it, and Why You Need It

What is Individual Vision Insurance?

It is a type of insurance that covers areas specific to your eyes. Eye care can be notoriously expensive, and this type of health insurance gives you several benefits that help bring down the costs.

Typically, it covers regular eye exams and related treatments, along with a specific amount in dollars to pay for eye glasses and contacts. A few policies might also cover advanced surgical treatments such as LASIK.

Anybody who has got glasses made or bought contacts, or even had a routine eye exam done knows how ridiculously expensive eye care can be. Lenses alone costs hundreds of dollars, while their frames are even more expensive. Add to that the delicate nature of these glasses (I tend to break mine every once or two months), and you are looking at thousands of dollars spend on eye care every year.

Considering the amount of strain our eyes get these days courtesy of computers and TV screens (most people spend almost 10 hours a day before a screen - a computer, or a TV), incidences of eye sight loss or weakening have been increasing every day. Along with this, the cost of eye care has been rising constantly too, owning to greater demand and limited supply. Individual vision insurance makes things easier by helping you pay for all these treatment options along with glasses, frames, and contacts.

Individual vision insurance acts as a supplement to your regular health insurance policy. A regular policy can aid you financially in case of any damage or injury to the eye, but cannot provide financial aid for eye exams, etc. These are areas covered by individual vision insurance policy. It is a wellness benefit designed specifically to take care of the eyes.

If you have poor eye sight and spend an enormous amount on eye exams, glasses, frames, and contacts, this is one policy you should definitely consider getting. It can save you thousands of dollars every year, and give you some peace of mind.

Tips to Get Great Vision But With Help From Insurance   

Understanding Vision Insurance

There are many misconceptions about vision insurance among most people. Few realize what it means and its benefits, and even fewer purchase it when they actually need it. Knowing what this insurance is and its benefits is the first step in determining whether you need it. Insuring your vision can be a critical component of a comprehensive insurance plan; understanding it can help you derive the maximum benefits from it.

For people who wear eye glasses, contacts, or have a history of eye problems in their family, getting an individual vision insurance plan is imperative. You can easily save upwards of thousands of dollars every year in the form of regular eye exams, doctor visits, and equipment costs (such as lenses, glasses, etc.). If there is more than one person in your family with vision problems, then you can get a group vision insurance plan that will cut down costs further while ensuring that you get the best care possible.

Even if you currently do not have any vision problems, it is still wise to get an individual vision insurance plan. You would have to take routine eye exams every few months, even if you have to vision problems. The cost of the eye exams might come out to be more than the amount you'll pay as the premium in most cases. Hence, in the long run, you'll not only save money, but also provide yourself with protection in case you develop any vision problems (which will not be surprising considering the amount of time one has to spend before computer screens these days).

Not all insurance plans are alike, however. Different plans provide different benefits. Most standard plans take care of regular eye exams, doctor visits, and part of the cost of lenses, glasses, and frames. Some plans even take care of surgical procedures such as LASIK and cataract operations. These procedures can cost several thousand dollars, and an insurance plan can significantly reduce these costs.

Vision insurance is an important part of a comprehensive health plan. Analyze your own needs to figure out whether you need it or not. In case you do, try to get the best rate possible as pertinent to your requirements.

Tips to Get Great Vision But With Help From Insurance