I am not sure what kind of insurance you have; however, I got my glasses at Sams Club. With my lenses and frames it was something like $150. They accept most insurances and they fill out a refund form that you mail to your insurance company and your insurance company mailes you back a refund (what they cover, my refund was $50. So after everything I paid only $100 and my refund only took like 2 weeks maybe if that. They also have sales on the frames and cheaper frames, I purchased some frames that I consider expensive. Also, my glasses were ready for pickup in like 5 days.
Hope this helps.