Speaking of glasses, I just sent my son to get a pair for himself, and I ran into some strange things on my insurance. Since he's diabetic and needed the eye exam by an ophthalmologist, the exam was fully covered by my health insurance. If it had been an optometrist, he would have been covered only for $100 of the exam.
Then he wanted to go cheap on the lenses and frames, and he was looking at Costco, Lens Crafters, etc. I have double vision insurance (that's two policies, not one policy for double-vision ), and he'd be covered for lenses up to $30 and frames up to $40 at those places by my primary insurer, and an extra $100 for both by my secondary.
BUT...if he goes to a private-practice optician, he gets unlimited coverage on the lenses, including every kind of coating, photochromic, polycarbonate, etc., plus a $220 allowance for frames.
The primary, vision-only policy with VSP costs me about $30/month and it covers my whole family. We all get the same deal my son got. Insurance can be very strange.
-- Ed Huntress