Double check the cost they're giving you. My husband almost paid 99 bucks but I said everything is covered by my insurance. I asked the agent what is that for and she said for the lens and my insurance covered less. I know the frames cost more its branded so I told my husband change frames and the amount goes down to 35 bucks which cover about the lens. Most of their glasses are branded so it would used up all the coverage for frames and they would insist adding more features for the lens. Greedy! I just want to save more but they are sales agent too.