Insurance woes

The website says this doctor takes our particular insurance plan, the phone customer service people set me up with him (I was unable to sign up for an account, as I mentioned earlier. So I pick this doctor as my primary care physician, and call for an appointment. The girl tells me that he starts working at 10, and I said 10 sounds just fine. I arrive at 10, and the front desk girl tells me "I don't know why they gave you a 10:00 appointment, the doctor won't even be here until 11:00." That's fine, I said, I can start doing paperwork. Her first question is am I on Medicare. No, I reply, here's my insurance card. She takes it, calls the insurance company to verify, then comes back and says that our plan (called "Point of Service" by the insurance company) is an HMO plan and that the doctor is not an HMO provider, so he won't take it. Grrr to them, I say! It says right there on my insurance company website that they participate in the Point of Service plan. So now I have to change again and make another appointment. Did I also mention, by the way, that our dental insurance cards say to go to their website for participating dentists but it's a financial services company and there'es nothing dental anywhere on their website? On the bright side, eye doctor went well. He said that my left eye is pretty good and my right eye is very bad, which I must say I knew already. My depth perception is bad for that reason, but my eyes are otherwise healthy. I was going to do transition lenses, but now that I'm not lifeguarding most of my sunlight time is while driving, and the girl who helped me with lens/frame selections explained that they're activated by UV, so when in your car with a UV-blocking windshield they won't go dark. So I'm getting one pair of normal glasses and one pair of sunglasses (polarized). I asked for blue tint, but they couldn't do the blue tint on polarized lenses, only grey or brown. I like my blue sunglasses, because the sky looks pretty even on a cloudy day. In the end I figured that it would be better to not see reflective back windshields on the freeway than to have a perpetually blue sky. Prioritizing, you see? The bad news: glasses are expensive. Oh well, we won't have as much into savings and/or Christmas as we had planned, but I'll be able to see. That's a good thing! There's a distinct possibility that Christmas will be canceled this year at my parents' house after all. Due to the drama I mentioned in my previous post, as well as some new stuff, it could turn out badly if we did have Christmas, so it may just be better if we don't... I already bought something for my gift exchange person, and stitched something for the baby, and I know what we're getting for Charles's gift exchange person but we haven't gotten it yet. All going somewhere in one or two cars (and thus not being able to run away) seems a tad scary at this point though.