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Transparent Care, Seamless Insurance Coverage
At Central Texas Wound Healing Associates, your health is our focus—not the paperwork. We prioritize financial transparency, working closely with major insurance carriers to ensure your healing journey is as stress-free as possible.
Insurance Plans We Accept
Aetna
PPO, Managed Choice, Aetna Whole Health, and Aetna Medicare.
Blue Cross Blue Shield
PPO, HMO, Federal Employee Program (FEP), and Blue Advantage HMO.
Curative
Accepting employer-sponsored health plans through the Curative network.
Evolutions
Participating provider for Evolutions Healthcare Systems PPO networks.
First Health
In-network with First Health and Coventry Health Care provider networks.
Healthcare Highways
Participating provider for Healthcare Highways commercial PPO networks.
Humana
Humana PPO, ChoiceCare, and Humana Medicare Advantage plans.
Imagine Health
In-network with Imagine Health selective provider networks.
Medicare
Original Medicare Part B and various Medicare Advantage (Part C) plans.
Molina
Molina Healthcare STAR+PLUS and Medicare Advantage plans.
Multiplan
Broad access through Multiplan and PHCS PPO networks.
Railroad Medicare
Specialized insurance coverage for railroad retirees and their families.
Superior HealthPlan
Medicaid (STAR/STAR+PLUS), CHIP, and Allwell Medicare options.
Texas Independence Health Plan
Specialized Medicare Advantage plans for residents in long-term care settings.
Texas Medicaid
Traditional Medicaid and various STAR/STAR+PLUS Managed Care programs.
Tricare West
Coverage for active duty and retired military members and their families.
UnitedHealthcare
Choice, Choice Plus, PPO, and United Medicare Advantage options.
Wellcare
Comprehensive Medicare Advantage and Prescription Drug Plans.
Wellpoint
Medicaid Managed Care and Medicare coverage options.
Don't see your plan listed? We accept many additional networks and secondary options. Please contact our billing specialists to verify your specific coverage.
Understanding Your Benefits & Coverage
Navigating insurance can be complex. At Central Texas Wound Healing Associates, we believe in financial transparency to ensure you can focus entirely on your recovery. Understanding key terms is the first step in managing your clinical costs effectively.
What is a Deductible?
The amount you pay for covered health care services before your insurance plan starts to pay. Typically, you will pay 100% of costs until this limit is reached.
Understanding Co-pays & Co-insurance
A co-pay is a fixed amount you pay per visit. Co-insurance is your share of the costs of a health care service, calculated as a percentage after the deductible is met.
Out-of-Pocket Maximums
This is the most you have to pay for covered services in a plan year. Once you reach this limit, your health plan pays 100% of the allowed amount for covered benefits.
Billing and Payment Policies
Payment Options
- Online Patient Portal for secure 24/7 billing access
- Major credit and debit cards (Visa, Mastercard, AMEX)
- Personal checks and health savings accounts (HSA/FSA)
- Automatic payment scheduling for long-term treatment
Financial Assistance
- Flexible zero-interest payment installments
- Income-based sliding scale fee arrangements
- Hardship counseling with our billing specialists
- Coordination with third-party charity care programs
Insurance FAQs
What insurance plans do you accept?
We accept a wide range of major insurance providers, including Medicare, Medicaid, and most private PPO and HMO plans. Because networks change, we recommend calling our office to confirm your specific plan is currently in-network.
How do I know if my specific wound care treatment is covered?
Coverage depends on your individual policy and medical necessity. Our billing team works closely with insurance carriers to verify benefits for advanced treatments like hyperbaric oxygen therapy or specialized bio-engineered skin grafts before you begin care.
Will I have to pay a co-pay at the time of my visit?
Yes, insurance regulations require that co-payments be collected at the time of service. We also request payment toward unmet deductibles or co-insurance percentages as determined by your insurance plan during the verification process.
Does insurance cover mobile wound care visits to my home?
Many plans now provide coverage for home-based wound care services for patients who meet homebound criteria. Contact our clinic directly so we can review your eligibility and provide a detailed explanation of how these services are billed.
What if I am out-of-network or don't have insurance?
We are committed to making quality wound care accessible. If we are not in your network or you are self-paying, we offer transparent billing and can discuss payment plans to help you receive the treatment you need without financial hardship.
Personalized Assistance
Navigating insurance and billing should not be a hurdle to your healing. Our dedicated patient advocates and billing specialists are here to provide clarity and personalized support for your coverage questions.