Eye Exams are not really that costly even without insurance.
But if you have insurance pay for the Eye Exam then the health insurance might cover the full cost of the Eye Exam while some insurance may have you pay a small copay fee of $10.00 to $20.00
Eye Exams cost between $50.00 to $250.00 and typically if you go to a retail store such as Walmart or Costco to have the Eye Exam performed the cost is usually lower and cost between $50.00 to $65.00
I had an eye exam performed at Walmart and it only costed me $50.00 out of pocket which was a pretty cheap deal even without insurance.
However if you need an eye exam for contact lenses the cost is slightly higher at $118.00 and if you have astigmatism or need bifocal correction and want to wear contact lenses, there is a little additional cost which can vary.