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Overland (314) 254-2211 | St. Charles (636) 255-8421

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Overland Optical Family Eye Care and/or our doctors are providers on virtually ALL vision & medical insurance plans. We will help you make the most of your insurance benefits. Here are just a few of the insurance plans we accept:

  • United Health Care
  • VBA
  • Tricare
  • Aetna
  • Blue Cross Blue Shield
  • Davis Vision
  • Eyemed Vision Care
  • Humana
  • Medicare
  • United Health Care
  • VBA
  • Tricare
  • Aetna
  • Blue Cross Blue Shield
  • Davis Vision
  • Eyemed Vision Care
  • Humana
  • Medicare
Plus more!!! Over 200 plans!!! IF YOU HAVE A PLAN WE DON’T ACCEPT, WE WILL WORK INDIVIDUALLY WITH YOU TO HELP YOU SAVE MONEY JUST AS IF WE DID ACCEPT YOUR INSURANCE PLAN. Some insurance plans list “Overland Optical” as the provider, but many plans list OUR DOCTORS’ NAMES instead of the practice. You may find us listed as any of the following, depending upon plan:- Overland Optical- Overland Optical Family Eye Care- Phil Lueckenhoff, O.D.- Sara Schmitz, O.D.

Vision Insurance Claims

Vision insurance is a wellness benefit. It is for routine eye care, eyewear, and vision-related services, sometimes fully or partially covered or sometimes at a reduced cost. Medical insurance is for eye injury and/or disease; it may or may not require a copayment and/or deductible. We accept virtually all plans, and the doctor bills the correct plan depending upon the reason for the particular visit. It is your responsibility to provide your correct insurance information. Check with your HR Department if you aren’t sure. We file insurance claims electronically so that your claim gets to the insurance company as fast as possible. Within 30 days of the receipt of your claim, your insurance is legally obligated to pay each claim. After the 30 days, you are personally responsible for any balance left on your account. This applies whether your insurance has paid or not.

Please be aware that we file claims as a courtesy to our patients, but we cannot control, and are therefore not responsible for, how your insurance company handles your claims and what benefits they are willing to pay. We cannot guarantee what an insurance company will do with each claim. We are only able to provide an estimate of what your cost for your treatment will be.

Determining Vision Insurance Benefits

Be sure you are familiar with your insurance benefits so that you will be prepared to pay the amount that your insurance does not cover. Our office does not determine your eye care benefits.

Many patients think their insurance pays 90-100%, when in actuality their coverage may be much less. Insurance coverage can often range between 50-80% of the total cost. The percentage your insurance company will pay depends on the type of policy you or your employer has set up with that particular insurance company. We recommend that you contact your insurance company to verify your benefits before scheduling treatment.

Fees and Insurance Reimbursements

The insurance company sets its own schedule and they have their own set of fees that are usually different from other companies. The fees can vary greatly. After collecting all the information about a claim, the insurance company will choose a reimbursement level that they feel is acceptable to their own standards. The data that they use can be a few years older than the claim date, which gives the opportunity for the insurance company to collect a profit.

Sometimes an insurance company will reimburse its client at a lower rate than the actual fee of our office. In this instance, a company will say that the reimbursement was reduced due to the office fee having exceeded the usual, customary, or reasonable fee (UCR) used by the insurance company. Don’t let this give you the idea that our service fee is any higher than another office. This is misleading and inaccurate.

Unfortunately, insurance companies will tell you that the doctor is charging you too much instead of admitting that the company is “underpaying” or that your benefits are too low. A lower UCR figure will often be used for a less expensive insurance policy.

Deductibles and Copays

You also need to be aware of your deductibles and your copayments. We will estimate the benefit to be paid. The deductible is considered first and paid by the patient. This amount is then subtracted from the balance owed.


At Overland Optical Family Eye Care, we specialize in understanding vision insurance! If you have any questions, please contact us and we will be happy to help you maximize your insurance benefits.

  • Advantra
  • Aetna
  • Always Vision
  • Ameriben
  • Avesis
  • BCBS
  • Benesys
  • CMR
  • Carpenters
  • Central States
  • Cigna
  • Comp Benefits
  • Coventry
  • Davis Vision
  • EyeMed
  • First Health
  • General Motors BCBS
  • GHP
  • Healthlink
  • Humana
  • Indiana State Council
  • Innovative Benefits
  • JW Terrill Benefits
  • Letter Carriers
  • Lions Club
  • Locals – All
  • Lumenos
  • Mail Handlers
  • Medicare
  • NVA
  • Opticare
  • Optum Vision
  • Painters District Council
  • Premier Benefits
  • Principal Life
  • Quality Benefits
  • Spectera
  • Superior Vision
  • Teamsters
  • United Healthcare
  • UMR
  • VBA
  • VCP
  • Zenith Administrators


  • Vision insurance is designed to provide routine eye care, prescription eyewear and other vision-related services at a reduced cost. Learn about types of plans, coverage and payment options.
  • HSAs and FSAs are different types of accounts that can help you save money on health care expenses and taxes.
  • Our eye doctors in St. Louis and St. Charles work hard to help you find ways to lower the expense of healthy vision.
  • Make the most of your vision insurance plan by understanding your particular vision coverage.
  • As a service to our patients, we are pleased to offer the CareCredit card, the nation's leading patient payment program. CareCredit lets you purchase the eyewear or sunwear you need with your updated prescription from your doctor —then pay for it over time with low monthly payments that are easy to fit into your monthly budget.
  • At Overland Optical, we tailor business discount plans for eye exams, eyeglasses, and contact lenses. Whether your business doesn't have vision insurance or simply want to supplement their current plans for employees who don’t take out vision insurance, we'll provide you with the best care & plan for your specific needs.

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