An optometrist's office, in New Jersey, presented two pricing options to me, based on vision insurance benefits, which I explain far more clearly than they did

An optometrist's office, in New Jersey, presented two pricing options to me, based on vision insurance benefits, which I explain far more clearly than they did with me: pay more out of pocket for just the eye exam and contact lens fitting or pay less by ordering contacts in addition to eye exam and fitting. The agent from the insurance company (Guardian) explained to me that it sets a $150 balance that can be used towards non-exam costs (fitting and contacts, or just contacts if no fitting is done). However, the optometrist's office said that this 150 is only accessible if I order contacts as well. They wouldn't provide this policy to me in writing :). I saved money by ordering more. The incentives scheme, involving ordering contacts from the optometrist office rather than 3rd party, seems like a common convention.