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Eye Exam...Opthalmologist Vs. Optometrist

I need to get an eye exam but my medical insurance does not cover vision care. I wondered if any of you know approximately how much an eye exam costs. I'm assuming that since an opthalmologist is an MD, it is more costly to see one rather than an optometrist. I also wondered if any of you have been to the optometrists located at, Lens Crafters, Costco, Sears, etc.? Do you have any recommendations? I'm located in the San Rafael area. Thanks so much.