This eye dr. notified me from the beginning and at the follow up appointments that I had double coverage. He made me believe that I would be covered for both glasses and contacts, but at the end, I wasn't covered and they didn't do anything about it. They supposedly contacted Spectera, which sucks as a vision coverage company also, and Spectera is not willing to do anything either. To begin with, it was Spectera's fault for messing up (they said that they had a system "glitch" ) and putting that I had double coverage. No one wants to take the blame, and I'm stuck paying the bill. I would give both Stephen Ching's practice and Spectera a ZERO. They are both cheaters. Once they get your money, they do give a SH*T about you anymore. I hope their companies all go down. Cheaters never prosper. I hope this helps other decide NOT to use them.