2024-2025 Armor Health Benefits Guide
VISION UnitedHealthcare
Our vision care benefits include coverage for routine eye exams, lenses, frames, and contact lenses as well as discounts for laser surgery. You have the freedom to access an expanded network of providers contracted under UnitedHealthcare Spectera network. When possible, consider staying in-network when seeking care to get the most bang for your buck! If you do use out-of-network benefits, then you will be reimbursed for services according to policy’s maximum.
Visit myuhc.com and click “find a doctor” in the top-right corner and then select “Find vision care providers” or call 1-800-638-3120.
UnitedHealthcare Vision
Network
Spectera
In-Network
Out-of-Network
Exams (once per 12 months)
$10 $25
reimbursed up to $40
Materials Copay Retinal Imaging
allowance not covered
up to $39
Lenses (once per 12 months) Single
100% after copay 100% after copay 100% after copay 100% after copay
up to $40 up to $60 up to $80 up to $80
Bifocal Trifocal
Lenticular
Frames (once per 24 months)
$130 allowance, plus 30% discount
reimbursed up to $45
Retail and Independent Contact Lenses* (once per 12 months)
$130 allowance, plus 15% discount
up to $105
Elective/Conventional Medically Necessary Fitting and Evaluation
100% covered
reimbursed up to $210 applied to allowance
Up to $40
* Contact lenses in lieu of frames.
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