Insurance & Payment

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.

Insurance companies

Each card shows the plan types we accept from that company.

• 
  • Commercial
  • Medicare Advantage
  • Medicare Supplement

  PPO, HMO, and POS plans, including Aetna Choice POS and Aetna Medicare HMO.

• 
  • Commercial
• 
  • Commercial
  • Marketplace
  • Medicare Advantage

  Includes CHRISTUS Health Medicare Plus and Generations.

• 
  • Commercial
  • Medicare Advantage

  PPO and HMO plans, including GWH-Cigna PPO and Cigna Preferred Medicare HMO.

• 
  • Commercial
• 
  • Commercial
• 
  • Commercial
  • Medicare Advantage

  Including Humana Gold Plus HMO.

• 
  • Commercial
• 
  • Commercial
• 
  • Commercial
  • Medicare Advantage

  PPO and HMO plans; Medicare Advantage including Dual Complete, Gold, and HMO variants; AARP Medicare Advantage (PPO, HMO, Choice).

• 
  • Medicare

Government & military programs

• 
  • Original Medicare, Part B
  • Railroad Medicare
• 

  Texas Medicaid

  • Traditional Medicaid

  Administered through the Texas Medicaid & Healthcare Partnership (TMHP).

• 

  TRICARE

  • East Region
  • South Region
  • TRICARE For Life
• 

  CHAMPVA

  The Civilian Health and Medical Program of the Department of Veterans Affairs.

Workers' compensation & other

• 
  • Workers' compensation
• 

  TASB Risk Pool

  Texas Association of School Boards.

• 

No insurance? We also see self-pay patients; details are 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.