Headquarters Health Partnered for Concussion Care Coverage
The virtual clinic has joined the HeadStrong program, covering out-of-pocket costs for insured athletes.
Updated on Sept. 22, 2026 in Healthcare
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Headquarters Health has entered a partnership with the HeadStrong Concussion Insurance Program to provide zero-deductible care for injured athletes. The arrangement ensures that participants in enrolled sports programs receive specialized concussion treatment with no out-of-pocket expenses.
Why it matters
This partnership aims to remove financial barriers that often delay or prevent athletes from seeking necessary concussion diagnosis and follow-up care. By integrating virtual clinical services with secondary insurance, the program streamlines the path to recovery for sports organizations.
The HeadStrong program has insured more than 700,000 athletes nationwide, providing up to $25,000 of coverage per injury. The annual cost for this coverage is $1.35 per athlete, covering specialized care with $0 in out-of-pocket expenses for the patient.
The players
Headquarters Health
A virtual clinic platform specializing in concussion care and diagnosis.
HeadStrong Concussion Insurance Program
A specialized sports insurance program developed by Dissinger Reed to manage concussion injury costs.
Mutual of Omaha
An insurance carrier and financial services firm that serves as the claims payor for this program.
The details
Under the new partnership, Headquarters Health serves as a virtual clinical provider for athletes already covered by the HeadStrong program, which is developed by Dissinger Reed and underwritten by Mutual of Omaha. Coverage acts as a secondary payor or primary if the athlete is uninsured, triggering automatic access to next-day specialized care once a sports program enrolls. This system shifts the financial liability for concussion treatment away from the athlete and their family, simplifying the billing cycle for clinical providers.
Timeline
September 22, 2026: Headquarters Health announced the partnership.
Market Landscape
This partnership follows a pattern set by niche athletic insurance models that bypass traditional health insurance hurdles to provide targeted, low-friction care. It signals an industry move toward bundling virtual health services directly with sport-specific coverage to lower total cost-of-care.
Sports program operators should evaluate whether current concussion protocols include secondary insurance coverage to reduce liability and facilitate rapid athlete recovery. Organizations should review the $1.35 annual per-athlete cost against existing self-insured risk or high-deductible health plan costs.
The takeaway
The integration of virtual clinics with sports insurance reduces the friction of concussion diagnosis and treatment for student athletes. Operators should verify if their athletic insurance providers offer similar secondary coverage to mitigate financial and health risks for their participants.
Further reading
For more on industry shifts in medical coverage, visit the Healthcare section.
More information
Review the full HeadStrong Concussion Insurance Program information for program eligibility.
Source note: This article includes information reported by Athletic Business Magazine.
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