@foundryrat743 the operative word is choice. You get to choose your doctors and specialists. We don’t.

Here too eye exams are not covered, nor are prescription glasses unless you have extended health coverage. We can pay as much or more for an eye exam and specialty lenses. Opthalmologists are covered, but only by referral from a physician (who decides whether you need to see one) and only for major eye problems like cataracts, glaucoma, macular degeneration, etc.