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  • Writer's pictureDr. Ryan Corte

Spectera Eye Exams in North Carolina: What You Need to Know!

Updated: Jun 27, 2023

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, we 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.

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.

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.

Contact lenses

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.

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 LASIK 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

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