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Agent / Employer Info Sheet
 
Consumer Brochure 10/25 Plan
 
Consumer Brochure 15/30 Plan
 
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Rate Sheet - Voluntary
 
Rate Sheet - Employer Paid
 
Product Highlights
Annual eye exam
Covered glasses or contacts after copay
Discounted laser eye surgery
In-Network and Out-of-Network benefits

It's real now®

Ed notices he's having trouble reading road signs & takes advantage of an annual eye exam provided by his vision policy. The optometrist suggests corrective lenses, and he chooses a pair of glasses his wife says make him look distinguished. After a copay at an in-network provider, the frames and lenses are covered by his policy.

Choose the plan that fits your company best.

We offer simple options that make it easy to choose what works best for your employees, based on group size and desired benefits:

SightAdvantageSM 10/25 Plan
Exam and lenses every 12 months. Frames or contact lenses every 24 months.
Exam copay: $10.00 Material copay: $25.00
SightAdvantageSM 15/30 Plan
Exam and lenses every 12 months. Frames or contact lenses every 24 months.
Exam copay: $15.00 Material copay: $30.00

Provide access to quality vision care and services

Examination - comprehensive vision exam by an in-network optometrist or ophthalmologist is covered in full after a copay every 12 months.

Lenses - standard lenses (including single-vision and lined bifocal or trifocal lenses) are covered in full every 12 months after a copay, with other popular lens options discounted up to 60%.

Frames - After paying a copay at a network provider, members receive a frame allowance which covers many of the most popular frames on the market today. Additional glasses, including prescription sunglasses, are discounted 20%.

Contact lenses - Copay includes contact lenses, fitting and up to two follow-up visits. 10% discount on additional contacts through our online ordering program.

Laser vision correction - discounted procedures from one of Laser Vision Network of America's 500 credentialed surgeons.

Premium digital hearing aids - preferred discounted pricing on high-quality hearing aids through HealthInnovationsTM.

How it works - 10/25 Plan:

Materials Cost as a Plan Member 1 Average Cost without Coverage 4
Examination Covered-in-full, less $10 copay2 $ 89.00
Frames and Lenses3 Covered-in-full, less $25 copay2 $ 248.00
Total cost in this example $ 35.00 $ 337.00

How it works - 15/30 Plan:

Materials Cost as a Plan Member 1 Average Cost without Coverage 4
Examination Covered-in-full, less $15 copay2 $ 89.00
Frames and Lenses3 Covered-in-full, less $30 copay2 $ 248.00
Total cost in this example $ 45.00 $ 337.00

Employees can access our provider network easily.

It's easy for employees to find an in-network provider with 64,000 access points including ophthalmologists, optometrists, retail chains and private practices. There are two easy ways to locate a network provider:

  • Visit the Spectera Vision Website at myspectera.com.
  • Call toll-free 1-800-638-3120 for an automated search 24 hours a day, 7 days a week.
Send all claims information to
Spectera, Attn: Claim Dept.,
P.O. Box 30978, Salt Lake City, UT 84130
sightadvantagevision@spectera.com
Customer Service toll-free at
1-800-638-3120 or TDD: (800) 524-3157
Our provider locator can also be accessed at this number.

Exclusions

Certain products and services are not covered by this policy, including post cataract lenses, non-prescription items, medical or surgical treatment for eye disease that requires the services of a physician, workers' compensation services or materials, services or materials that the patient obtains without cost from any governmental organization or program, services or materials that are not specifically covered by the policy, replacement or repair of lenses or frames that have been lost or broken, cosmetic extras, when not covered by the policy, any eye examination required by an employer as a condition of employment by virtue of a labor agreement, a government body or agency, missed appointment charges, applicable sales tax charged on services and procedures that are considered to be experimental, investigational or unproven.

The plan highlighted in this brochure has exclusions, limitations, reductions of benefits and terms under which the policy may be discontinued. For cost and complete details of coverage, contact your representative.

SightAdvantageSM is a service mark of Transamerica Life Insurance Company, all rights reserved.

SightAdvantageSM vision coverage provided by or through UnitedHealthcare Insurance Company, located in Hartford, CT, UnitedHealthcare Insurance Company of New York, located in Islandia, NY, or their affiliates. Marketed by Transamerica Employee Benefits. Administrative services provided by Spectera, Inc., United HealthCare Services, Inc. or their affiliates.
Plans sold in Texas use policy form number VPOL.06.TX or VPOL.13.TX and associated COC form number VCOC.INT.06.TX or VCOC.CER.13.TX.
Plans sold in Virginia use policy form number VPOL.06.VA or VPOL.13.VA and associated COC form number VCOC.INT.06.VA or VCOC. CER.13.VA.

1 Amounts are based upon visiting a network provider and choosing from the covered-in-full selection only. Some items may require an additional charge.
2 Copay may vary; please refer to the rate insert for information.
3 Contact lenses are offered instead of frames and lenses.
4 Estimated costs provided by UnitedHealthcare Insurance Company; varies regionally.
5 This policy does not cover illness or eye disorders. If found, please discuss coverage with your major medical insurance provider.

CVA01B-0315