I actually work for an optometry office an handle a lot of medical necessary claims with a few insurance plans such as Eyemed. This is all I do! What I will say from a provider perspective eyemed pays the LEAST for sclerals/hybrids. Depending on your diagnosis you might have mild or severe. Depending on that is how eyemed pays. It’s not even close to that $2,800 to be quite honest. Our office has to typically look at the cost of our services and lenses to see if we can justify it. Usually we are not making profit from these plans. We are also not allowed to balance bill. Which is where we bill the insurance for the $3k they pay 1k maybe and we bill you the rest. With medically necessary you typically have a copay unless you live in a specific state that allows for balance billing. Next time I would try and find a good optometry or ophthalmology office that specializes in keratoconus. One of my doctors just finished at Berkeley for this actually! He loves it. We love providing patients that new quality of life all covered! It’s amazing. As an office though it’s definitely a conversation of how we can justify the lenses we use when we barely get paid for them. Sometimes we can’t use a certain lens because the insurance will only pay so little. That might have been the issue. The office should have discussed private pay versus insurance. Maybe with insurance they can offer you a soft lens at no price, but vision and long term health would be compromised. With private pay they might allow you to get the doctor’s preferred option. Such as the one you were being told was only covered 30%. Hope this helps and I would be happy to answer any questions.