no experience with the excess, however my insurance issue was similar: they would pay for the exam, however not pay for the recommended therapy, from the same provider, which I found odd. Why be ok with diagnosing a condition but not the therapy?

We did that $4000 or so therapy with our daughter; later at another dr, found my son had slight insufficiency and he was treated via a computer program for which one needs a prescription, but which only cost $75. DD was also found to still be lacking just a bit in the convergence and she is just now finishing up with the $75 program.
A program called 'vergence', from these folks: http://www.visiontherapysolutions.net/hts.php
(again, requires prescription)