Insurance Fraud

For the first time in a couple of years I went to the eye doctor and ordered new glasses. The whole thing feels like a punch in the stomach. I have really good insurance, so for the appointment and the glasses, the entire price tag for the day was only $43.39. When did insurance become a pass to a better life? When you take out your card its like have back stage passes to a concert. My coverage, for example, covers a routine eye exam, which includes dilating and prescription, and then a set of frames (up to $130) and lenses (a sliding scale I do not really understand). In order for me to be seen by my eye doctor, the clinic has to approve all three pieces with the insurance company, the appointment, lenses and frames. Which essentially means the clinic lies and tells my insurance company that I bought glasses from them, which apparently allows the clinic to get all the costs approved. Thus, when I went to Sears to actually order the glasses, we were forced to call the insurance company and tell them I never ordered glasses in the first place, and then the insurance company must call the clinic to confirm my lack of an order, and return a call to Sears to confirm the purchase of the new glasses. I am not the biggest efficiency expert, but it seems that if the clinic had simply told the truth in the firs place none of this would happen. On top of this problem, the price of the glasses is entirely determined by the type of insurance you have. The frames I eventually ordered were labeled $159.99 and sitting next to a giant sign that says 50% Off all frames and all lenses in the store. It turns out what the sign means is 50% off you losers who don't have insurance to pay the difference in cost. Perhaps I have been reading the prophets or the Pentateuch too much, but shouldn't all of this make Christians violentally ill? Is there a more insider/outsider industry in the world than US health insurance? How can a country of people who care about morality be as proud of a system as ethically twisted as this one?
Insurance has always been a pet peeve of mine anyway, but generally because of the implicit attempt by us to control the future, but now it feels like the stakes may be higher. As the Church it is time to step up and really provide a creative, faithful alternative to a practice that is based in idolatry (of the self, health and wealth) and injustice (particularly to the working poor). Anyone who knows a better way or has more insight, please share and point me in another direction. Praying for justice and grace.