Insurance & Payment

Plans we accept, how to verify coverage before your visit, and options if you are self-pay.

Plans We Accept

We are in-network with most major commercial, Medicare, and Medicare Advantage plans across Central Texas. Because networks change every year, please call our office or your insurer to confirm coverage for your specific plan before your visit.

Confirm before your visit

Insurance networks are negotiated plan-by-plan, and a carrier (for example, "Blue Cross") can include dozens of plans with different networks. The most reliable check is a five-minute call to the number on the back of your card.

Commercial plans

  • Aetna (commercial PPO/HMO/POS, including Aetna Choice POS)
  • Blue Cross Blue Shield of Texas (BCBSTX)
  • CHRISTUS Health Plan (commercial & marketplace)
  • Cigna (commercial PPO/HMO, GWH-Cigna PPO)
  • Community First Health Plans
  • Curative
  • Humana (commercial)
  • Imagine 360
  • Oscar Health Plans
  • UnitedHealthcare (commercial PPO/HMO)

Medicare & Medicare Advantage

  • Traditional (Original) Medicare, Part B
  • Railroad Medicare
  • AARP Medicare Advantage (UnitedHealthcare), PPO, HMO, Choice
  • Aetna Medicare Advantage (incl. Aetna Medicare HMO and Aetna Medicare Supplement)
  • CHRISTUS Health Medicare Plus & Generations
  • Cigna Preferred Medicare HMO
  • Humana Medicare Advantage (incl. Humana Gold Plus HMO)
  • UnitedHealthcare Medicare Advantage (incl. Dual Complete, Gold, HMO variants)
  • WellCare Medicare

Military & VA

  • TRICARE (East Region, For Life, South Region)
  • CHAMPVA

Texas Medicaid

  • Traditional Texas Medicaid (Texas Medicaid & Healthcare Partnership / TMHP)

Workers' compensation & other

  • Texas Mutual (workers' compensation)
  • Texas Association of School Boards (TASB Risk Pool)
  • United American Insurance
  • Self-pay, see below

Before Your First Visit

Two calls ahead of time prevent most billing surprises.

  1. Call your insurance

    Use the member services number on the back of your card. Ask: "Is Orthopedic & Sports Medicine Institute of New Braunfels, or Dr. [your provider], in-network on my plan?" Ask whether orthopedic consults require a referral or prior authorization.

  2. Call our office

    Give us your insurance information when you schedule. We will verify benefits and let you know ahead of time if you will owe a copay or deductible at check-in.

  3. Bring what you need

    Photo ID, insurance card (front and back), and any referral or prior authorization your plan requires.

No Insurance or Self-Pay

We see patients without insurance. We offer an estimated self-pay price before your visit so there are no surprises at check-in.

Payment is due at the time of service. We accept cash, major credit cards, and checks.

Billing Questions

For questions about a bill you have already received, call our billing office and reference the account number on your statement.

If you are experiencing financial hardship, ask about our payment-plan options when you call.