Insurance Question: eye exam benefits: Free or not?

I have an Anthem med plan that has an HRA (reimbursement account) Now, I am entitled to 1 free eye exam respectively year, BUT Every time I get an eye exam, they deduct the full amount of the cost of the exam (over $100) from my HRA., even beside a PCP referral. Is this right? I feel that I have be taken advantaged of. Regardless, can anyone give me warning how to minimize this ? Any info you have would be appreciated!!
"> You need to ring up the customer service number on your insurance card to ask and find out. Every insurance plan is different. Even if the insurer is the same, they will have different contracts near different employers. The only means of access to find our for sure is to call customer service and have them review your plan details beside you.

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