When it comes to our well-being, one of the first things we tend to think about is getting health insurance coverage. While that makes sense for obvious reasons, other aspects of our health also require the same attention. For instance, many folks feel that a solid health insurance plan covers pretty much everything regarding their health. But what many people don't realize is that you also need vision insurance which is just as important. 

The good news is that there are many carriers of vision insurance in Idaho that can provide the right vision insurance plans according to your specific requirements. 

Here, we will discuss why you should look into vision insurance plans in Idaho and introduce the state’s top-rated vision insurers.

How Does Idaho Vision Insurance Work?

Eye insurance in Idaho works just like in any other state. Vision insurance is a term used to describe eye insurance plans that have been specifically designed to reduce the costs associated with getting routine eye checkups, glasses and contact lenses, or even eye surgeries (PRK or LASIK) if needed.

With vision insurance, you either submit a check to the insurer for an individual policy or have the premium deducted from your salary if you have an employer-sponsored plan. Some vision insurance policies require you to see a network provider, while others allow you to visit any optometrist or ophthalmologist.

Vision insurance offers many advantages. For example, you can avail of discounts for an annual premium. In addition, there are discounts for the cost of eyewear, eye exams, etc., making basic eye care and eyewear more affordable and accessible to those who need it.

So, is vision insurance part of health insurance? The truth is that all health insurance plans offer partial vision care coverage. However, this coverage is mostly provided for children. This means if your insurance provider doesn’t offer vision coverage for adults as part of their health coverage plan, then you will require to get stand-alone vision insurance in Idaho that will minimize your eye care expenses.

The next obvious question is, what does vision insurance cover? Let’s look at the coverages of basic and comprehensive vision insurance.

Now that we know what vision insurance covers, it's time to find out what it doesn't cover. Note that the vision insurance coverage varies by insurer. 

Here are some vision insurance limitations:

• A waiting period may last up to 36 months. 
• Some plans only cover glasses or contacts.
• Some plans cover frames only up to a certain amount. 

This is why it’s crucial to shop around and compare vision insurance coverage from different providers before choosing one.

Best Vision Insurance in Idaho — Our Top List

There are many benefits of getting vision insurance in Idaho, but the truth is, you are only going to get the coverage you need if you choose the best vision insurance in Idaho. 

Here are some of the top-rated providers when it comes to a state of Idaho vision plan.

VSP

VSP is an independent company that's been offering vision coverage since 1997. It‘s a reliable insurer for those who seek affordable and reliable vision plans. One of the major benefits of VSP vision insurance is its wide network of eye doctors. Additionally, it’s also the largest not-for-profit vision benefits provider in the U.S., so you can rest assured you're getting vision insurance coverage from a legit provider.

In fact, VSP is responsible for providing affordable eye care, WellVision exams, and personalized eye care and eyewear to 82 million members. 

Also, J.D. Power and Associates ranked VSP “Highest in Member Satisfaction Among National Vision Plans for Three Years in a Row.” Additionally, VSP received the 'World Class Customer Satisfaction' award from Service Quality Measurement Group, Inc. (SQM) for six consecutive years.

Anthem Blue Cross

Anthem health insurance offers coverage via their Anthem BlueCross BlueShield program. When it comes to vision insurance coverage, Blue Cross of Idaho provides a variety of group vision plans in partnership with Vision Service Plan (VSP). Their vision coverage consists of the following categories:

• Exam only
• Exam and hardware allowance
• Exam and full allowance
• Voluntary vision

So, it's best to contact the insurer directly and learn all the details about the various vision coverage options.

Humana

Humana is another option for vision insurance in Idaho. Humana Medicare Advantage vision covers:

• Annual examinations
• Eyeglass frames with prescription lenses
• Prescription contact lenses

Plus, other vision procedures, such as LASIK eye surgery, may be discounted under your plan.

Humana offers several vision plans that cater to the various needs of its clients. It should be noted that a minimum one-year initial contract period may be required for some plans.

EyeMed

Since 1988, EyeMed has long been a proud sponsor of OneSight, an independent organization that provides vision care and spectacles to underprivileged individuals throughout the world.

In addition, EyeMed customers save an average of 71% off the retail price of eye exams and glasses at in-network doctors.

The good news is that all these vision plans in Idaho provide the complete coverage you need the next time you decide to go for an eye exam, wear prescription eyewear, or require LASIK surgery.

How to Find Affordable Vision Insurance Plans in Idaho?

The average cost of an eye exam is growing, and that trend isn't going away any time soon. This is why getting vision plans in Idaho makes sense if you haven't got one already. 

The type and amount of discounts you get with your vision insurance coverage depend mainly on the provider. So, the question here is, how can I find affordable plans in Idaho? As a rule of thumb, it’s best to shop around and compare the prices and benefits of different carriers.

Generally, you should expect to pay anywhere between $5 and $15 per month for vision insurance in Idaho. This will be in addition to deductibles or copays, which vary depending on the insurance provider. 

Our eyesight tends to worsen as we age, and some common eye diseases can creep up on us without any significant symptoms. That’s why it’s best to invest in vision insurance in Idaho to lower the costs of eye exams, prescription eyewear, and possible eye surgery.

Good Plans for Seniors and Families

Seniors are advised to go for a comprehensive vision coverage option, which will cover regular eye exams and prescription eyewear as well as provide discounts for eye surgery. 

When it comes to eye insurance for families, it should be noted that some providers already offer eye coverage for children via regular health insurance policies. However, it’s best to opt for stand-alone vision insurance in Idaho for complete eye coverage, which you can find at VSP, Humana, or any of the other companies mentioned above.

Final Thoughts

Vision plans are selling like hotcakes for a reason. One of them is that vision insurance in Idaho provides a chance for the policyholders to lower the cost of eye care, which is not covered under traditional health insurance.