Insurance and Payment Options

Smiling woman cataract patient on phone checking vision insurance benefits

At Ophthalmology Consultants, we believe that everyone should have access to the highest quality eye care. Don’t let concerns about cost stop you from achieving clear vision. Our providers are in network with most major insurances.

Learn about insurance coverage and the many payment and financing options available to our patients.

General Information

Please bring all insurance information, including insurance cards, when you come to any location for an appointment. Many medical insurance companies and HMOs require pre-authorization for medical services. Please consult with your insurance company or primary care physician to obtain a pre-authorization for services, if required, prior to the date of your appointment.

We accept checks and major credit cards for payment of services. Co-payments and payment of non-covered services are required at the time of your visit.

Accepted Insurances

Aetna vision insurance logo
Blue Cross Blue Shield vision medical insurance logo
Cigna health insurance vision insurance logo
Essence insurance logo
geha
healthlink color horizontal logo
Humana logo
medicare
Molina Healthcare logo color
Multiplan Vision Insurance
Superior Vision commercial insurance logo vision
Tricare vision insurance medical insurance logo
United Healthcare logo
Vision Benefits of America insurance logo
Vision service plan (VSP) logo
wellcare well care health insurance vision insurance logo landscape teal
WellFirst Health Insurance SSM
  • Aetna
  • Blue Cross Blue Shield
  • Cigna
  • Essence
  • GEHA
  • HealthLink
  • Humana
  • Medicaid
  • Medicare
  • Molina
  • MultiPlan/PHCS
  • Superior Vision
  • Tricare
  • United Healthcare
  • Vision Benefits of America
  • Vision Service Plan (VSP)
  • WellCare Health Plans
  • WellFirst Health

FSA, HRA, and HSA Accounts

A Flexible Spending Account (FSA), Health Reimbursement Account (HRA), or Health Savings Account (HSA) is an employer-sponsored account that makes it possible for employees to designate pre-tax dollars for future medical expenses. These medical savings accounts are an excellent way for our patients to pay for their vision care, and funds from these accounts may be applied to treatments not covered by medical insurance.

Disclaimer

We will check your vision benefit eligibility and make every attempt to help you understand and make the most of your benefits. It is important to understand that things can change between the eligibility check and the actual payment of the claim. For example, changes in insurance, lapse of time, new benefit years, claims that arrive to the payer after eligibility was checked, and purchases made between checking eligibility and placing an order for glasses or contacts. A quote of benefits is not a guarantee of benefits or payment. Charges not covered by your insurance company or benefit plan, as well as any co-payments, deductibles, and coinsurance amounts, are your responsibility. 

Medical Financing Options

Medical Financing Options

We realize that some treatments may not be eligible for insurance coverage. To help make sure our patients receive the high-quality care they need and deserve, we’ve partnered with CareCredit® to offer flexible payment options.

CareCredit® offers convenient monthly payment options, no upfront costs, no prepayment penalties, and no annual fees. If you need more time to pay for your procedure, you can also take advantage of extended payment plans with low fixed interest rates.

Find an Ophthalmology Consultants St. Louis Eye Care Location Near You

The St. Louis eye doctors of Ophthalmology Consultants are currently accepting new patients and offer expert eye care at three convenient locations in St. Charles, St. Louis, and Des Peres. Our experts are here for you, schedule your vision care with us today!

St. Charles
St. Charles
Lamplighter Square
West County