I can't say enough bad things about Malbar. First of all, they're extremely over-priced. They like to get you to spend more on frames because their markup is much larger. Second, they are horrible with their billing practices. Check your insurance claim to make sure they filed it, it has been accepted, and paid. Otherwise you'll end up getting a bill several months later (if insurance denies the claim) past the time when flex spending allows payment. If you try to work it out with them, they'll act like they will work with you, but then they turn you over to a collection agency without notice. They're shady and I would very much recommend NOT going there!