N Heads are better than one

Ok. Here's the situation. Some of you already know about it.
I, like a fool, let my contacts perscription run out a month or two ago, but I did not get more because... well, $. (Credit cards, next time, dearie)

I also have about 6 months worth contacts. For my left eye. Don't ask, long story. But there they are, still useful save for the fact that my right eye is weaker.

Now I'm stuck with a perscrip that has run out, an HMO that refuses to pay for eye exams more than once every 24 months and an eye doctor who won't even let me get right eye contacts.

The HMO says: see if your PCP will write a referral for a medically necessary visit. (My eyes are fine, so "medically necessary" would be a subjective term here.)
The new prospective eye doctor (because I'll be damned if I return to the original if I can help it) won't accept a referral, so maybe they won't be my eye doctor afterall... I am concerned that /every/ office will do this though.

So, what do I do? It looks like I might as well just cough up the 50-90 bucks to get a new perscrip., so I can get my frickin' contacts. I'd be quite glad for any advice you can give me so that I am not getting screwed over.

(Moral of the story: Buy 2 years of contacts before the year is up. Too late for now, but you can be damned sure it won't happen again.)