I've worn soft and gas permeable contacts over 20 years and neither has cost that much. I wore glasses until I started with soft contacts at 12, then developed allergies to them, so I switched to gas perm. Dr. could never quite get them to fit right, but I wore them for 10 years. Now I'm back to soft contacts to help my corneas heal. I see much better in gas perm, but they were damaging my corneas by pinching and wearing it thin. I'm not a great candidate for surgery yet(my eyes are too bad), but I'm hoping technology will catch up. I have had different insurance companies throughout my life. VSP is good. You will need to set up a different appointment for contacts and then go back for fittings, maybe several times, it could cost more in the very beginning, but the contacts themselves don't cost that much. I've never had colored ones, so I'm not sure how much they cost. I like Dr. John Bowen in Flower Mound ###-###-####. He's the one who told me I needed to switch back to soft. Call him up and find out how much it would cost. Good Luck.