I stopped going to my optometrist because I got tired of all these games. Even though he takes VSP (which granted is not very good insurance), it was far, far cheaper and I got a better exam to boot at Costco.
I had an old pair of frames re-lensed for $30 from this place, and was so happy with the work I bought a pair of cheap-ass backup glasses for $18: http://www.goggles4u.com/