Spectera Reviews
Spectera Overview
The generated data is based on reviews and questionnaires provided by PissedConsumer.com users.
1.0 star from 11 Spectera reviews; consumers are mostly dissatisfied with claims, reimbursements, and customer service.
Key Takeaways for Future Customers
- Expect frequent billing and refund delays and long waits on customer service calls.
- Network limitations may leave you out of network and facing high out‑of‑pocket costs.
- Appeals and claims for lenses or medically necessary services can take months.
Negative Feedback / Risk Areas
- Repeated customer complaints about unpaid claims, lost checks, and deceptive billing.
- Poor provider support and difficulty locating coverage or finding in‑network providers.
- Refund and exchange issues with slow or missing reimbursements.
Positive Feedback
Some reviewers note covered glasses and occasional smooth claims; a few had no problems using benefits.
The generated data is based on reviews and questionnaires provided by PissedConsumer.com users.
1.0 star from 11 Spectera reviews; consumers are mostly dissatisfied with claims, reimbursements, and customer service.
Key Takeaways for Future Customers
- Expect frequent billing and refund delays and long waits on customer service calls.
- Network limitations may leave you out of network and facing high out‑of‑pocket costs.
- Appeals and claims for lenses or medically necessary services can take months.
Negative Feedback / Risk Areas
- Repeated customer complaints about unpaid claims, lost checks, and deceptive billing.
- Poor provider support and difficulty locating coverage or finding in‑network providers.
- Refund and exchange issues with slow or missing reimbursements.
Positive Feedback
Some reviewers note covered glasses and occasional smooth claims; a few had no problems using benefits.
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 |
Salt Lake City, Utah
Your site is inconvenient
As a provider, having to get a code via phone while you are on the phone with a patient trying to sign into the Spectera site to check a patient's insurance is super inconvenient, and I would like to mention that VSP or Eyemed do not do this.
Preferred solution: easy excess to patient portol
Verdun, Quebec
Totally incompetent
- - The doctor is described as unprofessional and incompetent.
- - The reviewer says to stay far away and mentions poor vision in the right eye.
The lack of professionalism and this complete and utter disgust that this doctor gives his patience is unbelievable.He should be removed not only that, he had the audacity.Because I have poor vision in my right.Eye to beg the question of what I was going to do when I went blind?I mean, who does that?What an *** stay far away from this guy.He's completely incompetent
User's recommendation: Stay away from this guy he's dangerous
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 ReviewerDon't use
- - Copay for the exam was 45.00, not 10.00.
- - 412.00 charged for lenses, not frames.
- - The insurance is not worth it.
It cost 45.00, not 10.00 for the copay on the exam and 412.00 on just lenses, not frames. You add that plus what my husband pays on paychecks together.
Not worth it.
As I told the eye doctor, the bill was double with this company. Don't buy this insurance.
- You have insurance
- It dont pay enough to have it as insurance
Preferred solution: Price reduction
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 |
Hyderabad, Telangana
Billing
- - Waiting on a check that may be lost.
- - Paid for glasses on Nov 12; $10 co-pay, $810 due; not received.
- - Please send $810 today.
Waiting on a check, it must have got lost in the mail. I paid for glasses on November 12th, called Spectra and they said I have to pay a $10.00 co-pay and they would cover the rest, $810.00.
I have not received it and I need to pay my gas bill and have no money. Please send the $810.00 today.
Thanks for understanding. Kelly Brandt 307-202-****.
- Said they would pay
- Been 58 days and no money
- No payment
User's recommendation: Zero
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 |
Columbia, Maryland
Question about. my vision care
- - Went to get glasses and frames but was told I’m not qualified until 2026.
- - Despite United Healthcare insurance, it did not matter what it said.
Well, we will see. I went to get new glasses and frames, to no avail.
I was told that I was not qualified until 2026. Despite my insurance policy with United Healthcare, it did not matter what it said.
I can't speak for anyone else, but I, personally, don't like being lied to. That's exactly what happened to me today.
- Never had a problem
- Today is different
User's recommendation: Don't always trust the Medicare system
Winnipeg, Manitoba
Money
- - Needed new glasses; local eye doctor not in network.
- - Spectra would cover everything except a $10.00 copay.
- - 58 days with no check and very disappointed.
Needed new glasses, went to my local eye doctor, which is not in network, (ln remot area ) we called spectra and they would cover everything except $10.00 co pay, been 58 days and still no check , very disappointed.Kelly
User's recommendation: They take along time to pay
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 have a remaining balance 4 months after the glasses were paid in full.
- - Financing dept says I owe $30 and $28 for two June glasses; a letter was sent.
- - I paid in full at checkout; four months later they call about $60.
Recently, I received a phone call from the Walmart/Sam's Club Optical Financing Department. They informed me that I have outstanding balances of $30 and $28 on two pairs of eyeglasses purchased in June.
However, I paid for these glasses in full at the register and received them approximately a week later.
I am now receiving calls, four months after the fact, stating that I still owe approximately $60. The Financing Department claims they sent me a letter almost a month ago, but I have not received it.
- Paid for frames
- Does not cover polycarbonate lenses
Preferred solution: Price reduction
User's recommendation: Dont use this company
Katy, Texas
Spectera is SUCK!!!!!
- - I have Kelsey Care Advantage with Spectera for vision care.
- - Costco and Walmart are listed by Spectera, but my name isn't found in the database.
I have Kelsey Care Advatage health insurance which using Spectera insurance for the vision care. I have tried to use my vision benefits at Costco, Walmart, Nobody have been able to find my name in the database. Walmart and Costco vision cares are in the list provided by Spectera!!!
Trying to use my vision benefits from Spectera is suck
To check on my insurance reimbursement
still trying to resolve same issue for over 1 month now with no resolution
Unable to hear talk to customer service representative. Call dropped mid conversation? Not sure why I am calling again to try to connect and get my questions answered.
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 |
Baltimore, Maryland
Wish I never had UHC with their stupid vision insurance! If your glasses don't turn out right after you already paid, having to wait six more weeks for it all to reset before I can get new ones sucks!
- - I was told six weeks to get a new pair after returning glasses, and I'm unhappy with the workmanship.
- - I'm planning to switch Medicare Advantage.
I returned new glasses and was told it would be six weeks before I could get a new pair. It's not fair to make me pay for shoddy workmanship!
And to hold me hostage for six more weeks makes me wish I never had their insurance to begin with!
In fact, I'm changing to a new Medicare Advantage Plan in the Fall!!! Cya UHC!
- Bad faith actions against a covered client
Preferred solution: I just want the ability to choose a new pair of glasses elsewhere!
User's recommendation: Never to get UHC or any of their insurance plans!
My name is Patricia Egan I wanted to know if my...
- - Patricia Egan asks if her vision coverage is with this company or another.
- - Walmart Vision Center couldn't reach for authorization.
My name is Patricia Egan I wanted to know if my with you all my vision coverage because I went to get some glasses at Walmart vision center and they were trying to reach out to get an authorization and they couldn’t reach you so I wanted to know is my coverage with y’all or someone else
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 would give negative stars if I could
- - Claims take months with 30-day excuses.
- - No reason given for denial after 70 days.
- - Time wasted trying to file the claim.
- - Advise against buying this insurance.
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.
They have denied a claim for being out of network, but, the appointment was made from the list on the United Healthcare MA site. I challenge and they claim the tax id number is wrong, or, the next time it will be the address is wrong. Its switch and bait so they don't have to pay.
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
- - Paid a premium for over a year; the eye doctor would not cover the right-eye exam or any eye for contacts due to astigmatism.
After paying a premium for over a year, I went to the eye doctor-only to find out they would not cover my contact lens exam in my right eye due to astigmatism. When I went to order contacts, they would cover neither eye because of the astigmatism in my right eye and multifocal lens needed for my left eye.
They cover neither.
I honestly do not know how it is even legal. Seriously a scam.
- 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
- - The vision plan is described as worst.
- - Provider is said to be incompetent.
- - Suggest subcontracting to a better company.
- - Do not use this company.
Worst vision plan available. They have no clue what they are doing and it would be better if they sub contracted the healthcare vision provider service to a competent company. DO NOT USE THIS COMPANY!!!
- To many to list
Preferred solution: Full refund
Just sent my glasses back for the 5th time to get the lenses corrected!
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
- - This is the worst company and product.
- - A $450 frame with out-of-pocket costs.
- - At 78, I don't need a $450 frame; I need better lenses.
This is the WORST company and product. A $450 frame and you still can't get Eyewear without out of pocket $I'm 78 I don't need a $450 (limit) eye frame but I do need better lenses based on my prescription.
Your company services are Ugly, and who ask the companies what tier r they, glasses aren't medicine. You will fail sooner as people discover what u are about.Zip
User's recommendation: Don't use your company
Bay City, Michigan
No coverage
Want my account back after my husbands death. The lady told me that the place where he worked has to contact you.
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Agree!!! It’s been so hard to find a provider that takes it and can get my maximum from it. At this point I feel like it’s not worth having and just paying out of pocket