I bought my pair in a store at the Pacific Mall early Sept. Before we got started, I told them I could get only $150 from my insurance company. They kept this in mind, and recommended the frame and lenses (including the magnetic sunglass clip) to me, which cost me $169 in the end. I paid $169 upfront, and later filled out the claim form and sent the form and the receipt to my insurance company. They mailed me the $150 check one week later, which I think was efficient enough. So I ended up paying $10 for this pair. Check out the stores like Fushi (like Fuji), or Yishi (sorry, cannot input Chinese) on the second floor of the Pacific Mall.