Spectera
Spectera Overview
The aggregated data is based on reviews and questionnaires provided by PissedConsumer.com users.
Spectera has 1.1 star rating based on 15 customer reviews. Consumers are mostly dissatisfied.
- Rating Distribution
Pros: Covered glasses.
Cons: Do not cover anything, I did not like, To many to list.Recent recommendations regarding this business are as follows: "Don't use your company", "Don’t waste your money. Get a different provider", "Use other vision plan", "Do not use this company for vision", "Don’t believe the price they tell you. They are liars".
The aggregated data is based on reviews and questionnaires provided by PissedConsumer.com users.
Spectera has 1.1 star rating based on 15 customer reviews. Consumers are mostly dissatisfied.
- Rating Distribution
Pros: Covered glasses.
Cons: Do not cover anything, I did not like, To many to list.Recent recommendations regarding this business are as follows: "Don't use your company", "Don’t waste your money. Get a different provider", "Use other vision plan", "Do not use this company for vision", "Don’t believe the price they tell you. They are liars".
Most users ask Spectera for the refund as a solution to their issues.
Consumers are not pleased with Exchange, Refund and Cancellation Policy and Insurance Plans Acceptance. The price level of this organization is high according to consumer reviews.
Media from reviews
This review is from a real person who provided valid contact information and hasn't been caught misusing, spamming or abusing our website. Check our FAQ
Verified Reviewer | Millbrae, CaliforniaI would give negative stars if I could
I am an optometrist and I hate this company. They are one of the most incompetent and frustrating company I have dealt with as a provider.
They lie, they say things to make you go away. They have no intentions of paying out claims. I filed a medically necessary claim for my patient and in 2.5 months, Spectera makes the same excuse, "it'll take 30 days" which is crap because it's been 70 days and they still cannot give me a reason for their denial of the claim. I wasted so much of my time trying to get this claim through.
I gave up.
They should just tell Doctors the truth, that they won't pay the claims instead of wasting the doctor's time. Please if you can tell your employers not to buy this insurance for their employees, this would save a lot of people a lot of headaches and put this company out of business.
This review is from a real person who provided valid contact information and hasn't been caught misusing, spamming or abusing our website. Check our FAQ
Verified ReviewerThis insurance is a scam-waste of money
- Do not cover anything
Preferred solution: Full refund
This review is from a real person who provided valid contact information and hasn't been caught misusing, spamming or abusing our website. Check our FAQ
Verified ReviewerI gave a star because there were no zeros
- To many to list
Preferred solution: Full refund
Worst I've ever had; frames have a $450 limit when you can't get the 2nd best(they only offer regular plastic for lens/to be paid) allergiences warn by doctor I must use opt lense r I won't see
User's recommendation: Don't use your company
No coverage
Spectera has no providers where I live. Completely useless company. Waste of money
User's recommendation: Don’t waste your money. Get a different provider
Horrible customer service and care on hold hour for supervisor who was no help
User's recommendation: Use other vision plan
This company can not find their butt with both hands!!
Preferred solution: I would like Spectra to reimburse their part for mine and my sons glasses. It’s been 3 months, and every time I call they need something else. The will not reimbursed.
User's recommendation: Do not use this company for vision
Deceptive billing practices
I called and spoke to a representative about my vision benefits and to find a provider in Network. I have a very difficult prescription so I decided to take advantage of the $10 exam to make sure there were no problems.
My information was input it into their computer and I was told once all the discounts were applied I would owe $179 and change. Three months later I received a bill for an additional $170.50. I called to tell them I already paid for my glasses and they told me these were additional surcharges that were not collected.
I told him I was not told anything about a surcharge and they gave me a canned response that theres a sign at every register saying that the quote of benefits is a just a quote and theres no guarantee but if you ask me adding $170 surcharge after The fact and then blaming the provider for not charging it sounds like deceptive billing practices to me. I am appealing this claim.
User's recommendation: Don’t believe the price they tell you. They are liars
I have uh dual complete spectra vision
I was provided the 2022 Quick Start Guide UH dual complete . On page it says VISION COVERAGE It says $0 copay: 1 routine eye exam every year.
$0 copay and $400 allowance toward eyewear every year. When I get eye exam and ready to order glasses they tell me the $400 Is for frames and plain lenses. I have to pay for the lenses that I need to see with Wal-Mart don't sell $400 frames. The most expensive frames they sell is $142.
The glasses I need to see with cost around $400. UH SPECTRA will only pay $169 on my no copay glasses......This is a bait and switch program they sold me on their $400 plan for no copay then switched it to $400 for frames after I enrolled.
User's recommendation: Get it in writing
SPECTERA DOES NOT PAY
Spectera claims that they pay $200 every other year under their contract with United Healthcare Medicare Advantage Plan. In fact, all they do is play games.
I bought a pair of glasses from Glasses/USA, which is the actual in-house glasses manufacturing arm of Spectera.
I could not see through the glasses that they sent me, so I returned them, and I ordered a second pair. I could not see through them either, and returned them, as well. I did, however, receive an email confirming that my Spectera account had been credited with the full amount. However, rather than actually refund the costs of the glasses to Spectera (again, their in-house insurer) they claimed that I had paid for the glasses with a Gift Card that was magically worth the same price as the glasses WITH SHIPPING!!!
But they, of course, did not tell me this at the time, and as I still needed glasses, I gave up and went to Walmart, which is the ONLY entity in my very small state that will accept Spectera. They looked up my Spectera account, which apparently looked fine to them, and they sold me a pair of glasses. As I need Progressives, I had to pay one hundred twenty-something extra, which I did. So just imagine my surprise when I received a bill from Walmart for $363.00!!!
So, once again, I called Spectera and asked for a supervisor.
I explained the whole situation and was told that they would forward the information to their returns department and that I would hear from them shortly. I then received an email stating that my 2020 Spectera benefit was available to use.
In fact, since Spectera pays $200 every OTHER year, and they had never actually refunded anything to my insurance account, I HAVE NO 2020 SPECTERA BENEFIT!!!
SO, I called Medicare, and they told me that I have to file complaint with UHC, and if they won't do it, I need to call Medicare back and they will file a complaint against them for me.
I do hope that this is true. But in the meantime, Walmart has threatened to send the account to collections which will destroy my credit.
User's recommendation: NEVER, EVER USE SPECTERA!!!!
Worst service team ever
User's recommendation: Do not use this vision plan if you have a choice.
Horrible service
Preferred solution: Full refund
Poor customer service locating a claim.
User's recommendation: Find another!
Complete rip off
User's recommendation: Buy your glasses from Costco or somewhere and don't waste your $$$ on this stupid insurance
Want a tiffany frame
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Just sent my glasses back for the 5th time to get the lenses corrected!