We accept most insurance plans including Medicare and Tricare. We do not accept workers’ compensation claims, and we do not accept Letters of Protection for legal cases. Our office will verify your insurance so that you know your coverage prior to your appointment. Most orthobiologic procedures are not covered by any insurance. You may be able to use your FSA account or HSA account to cover your orthobiologic procedures. If you have any financial concerns our office will be happy to review your insurance coverage with you. We let all of our patients know their estimated surgery cost. We operate at facilities that are in network with virtually all major Insurance companies.
How to check your coverage before your visit
- Review your benefits. Check your policy for eligibility, your deductible and what your plan covers. If you are not sure where to look, our office can help.
- Bring your documents. Your insurance card and photo identification, plus any referral or authorization paperwork your plan requires.
- Let us verify it. Our office verifies your insurance before your appointment so you know your coverage in advance rather than afterwards.
- Understand what you are responsible for. Deductible, co-pay and co-insurance for anything covered — and a clear figure for anything that is not, including orthobiologic treatment.
Credit and financing options
Because most orthobiologic procedures are not covered by insurance, this is an out-of-pocket investment for most patients. Two financing options are available. Both are arranged directly with the lender rather than through this office, and you are welcome to ask our clinical specialists about either before deciding anything — call (877) 777-8883.
CareCredit
A health and wellness credit card that can be used for treatment here. Interest rates are typically lower than regular credit card rates, and we offer financing plans up to twelve months in length. You can check whether you prequalify without affecting your credit score, and applying takes a few minutes.
Prequalify or apply with CareCredit
Opens the CareCredit site in a new tab. Applications, approval and terms are handled entirely by CareCredit.
Treat now, pay later
- No hard credit checks, ever
- Up to $50,000 approvals
- No hidden fees
- First payment due at purchase
- 60 seconds to apply
Texas Orthobiologics offers deferred payment plans of up to three months through Cherry, interest-free for patients who qualify.
See if you qualify Manage your account
Opens the Cherry site in a new tab. Applications, approval and terms are handled entirely by Cherry.
See an example of what you could pay
Example payments for $2,200
The first payment is due at the time of purchase, so each plan above is one payment more than the term suggests — $550 × 4 for the three-month plan, for example. Figures are illustrative for a $2,200 treatment; your amount and terms are set by Cherry based on eligibility.
How Cherry works
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See if you qualify
It only takes 60 seconds to complete the application.
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Get care
Use your approval to pay for your treatment.
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Pay over time
Choose a plan length that fits your needs, at 0% interest.
Questions?
What is Cherry? Cherry is a buy now, pay later company making it fast and easy to pay for health and wellness purchases over time. For questions about our specific options, please call Texas Orthobiologics at 877-777-8883.
These are examples only. 0% APR and other promotional rates are subject to eligibility. Exact terms and APR depend on credit score and other factors. For example, a $400 payment plan with Cherry may cost $100/month over 3 months at 0% APR with down payment in the amount of monthly payment due at the time of purchase. Not every provider that uses Cherry will offer the payment plan terms listed above.
Payment options through Cherry Technologies, Inc. are issued by the following lending partners: withcherry.com/lending-partners. See withcherry.com/terms for details. Iowa only: Borrowers are subject to Iowa state specific underwriting criteria. APR for all Iowa borrowers is capped at 20.99%.
Cherry is committed to making our product accessible. For our accessibility statement and feedback form, see withcherry.com/accessibility.
Copyright © 2020–2026 Cherry Technologies Inc. NMLS #2061234, 2 Embarcadero Center, 8th Floor, San Francisco, CA 94111.
Common questions
Do you accept my insurance?
We accept most insurance plans, including Medicare and Tricare, and we operate at facilities that are in network with virtually all major insurance companies. We do not accept workers’ compensation claims or Letters of Protection for legal cases. Our office verifies your coverage before your appointment so there are no surprises.
Do you accept workers’ compensation?
No. Texas Orthobiologics does not accept workers’ compensation claims, and we do not accept Letters of Protection for legal cases. If your injury happened at work, you will need to see a provider who participates in your employer’s workers’ compensation program.
Is orthobiologic treatment covered by insurance?
Generally no. Most orthobiologic procedures are not covered by any insurance, which is why the cost is discussed openly before you decide anything. Every patient is given a clear figure rather than a range once we know what is being treated.
Can I use my FSA or HSA?
You may be able to use a flexible spending account or a health savings account toward orthobiologic treatment. Plans differ, so check with your administrator — and our office is happy to help you work out what applies.
What if I have financial concerns about treatment?
Raise them early rather than late. Our office will review your insurance coverage with you, give you an estimated cost for surgery, and walk you through the CareCredit and Cherry options above. Nobody is asked to commit to treatment at the visit.
What is CareCredit and how do I apply?
CareCredit is a health and wellness credit card that can be used for treatment here. Interest rates are typically lower than regular credit card rates, and we offer financing plans up to twelve months in length. You can check whether you prequalify without affecting your credit score, and applying takes a few minutes. Applications, approval and terms are handled entirely by CareCredit.
Do you offer a payment plan?
Yes. Texas Orthobiologics offers deferred payment plans of up to three months through Cherry, interest-free for patients who qualify, with the first payment due at the time of purchase. CareCredit financing is available for up to twelve months, at interest rates typically lower than regular credit card rates. Both are arranged directly with the lender rather than through this office.
Who do I call with a billing or coverage question?
Call the office on (877) 777-8883. Our clinical specialists handle these questions directly, and it is worth speaking to them before you rule a treatment out — there are usually more options than are obvious from the outside.
