Headquarters Health Added to HeadStrong Coverage
The concussion insurance program now provides athletes access to virtual care for diagnosis and treatment.
Updated on Sept. 29, 2026 in Healthcare
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Headquarters Health has partnered with the HeadStrong Concussion Insurance Program to offer athletes direct access to virtual neurological care and diagnostic services. The initiative aims to lower financial barriers to treatment for more than 700,000 currently insured athletes.
Why it matters
By removing deductibles and out-of-pocket costs for specialized neurological care, the partnership addresses the high price of concussion management for families. This integration streamlines access to care, with virtual clinics available to athletes as soon as the day after an injury.
The HeadStrong program provides up to $25,000 in coverage per injury with zero deductibles for 700,000 insured athletes. Participation in the program costs $1.35 per athlete annually.
The players
Headquarters Health
A medical provider operating a virtual clinic platform focused on concussion care.
HeadStrong Concussion Insurance Program
A national sports insurance initiative developed by Dissinger Reed to provide injury coverage for athletes.
Dissinger Reed
A specialty insurance agency focused on risk management and insurance solutions for the amateur sports industry.
Mutual of Omaha
A large multi-line insurance and financial services company serving as the carrier for the HeadStrong program.
The details
The partnership allows sports programs that enroll in the HeadStrong insurance plan to connect athletes directly to Headquarters Health’s virtual clinic. This clinical pathway encompasses the full scope of concussion management, including initial diagnosis, imaging, cognitive testing, and follow-up neurological care. The coverage acts as either a primary or secondary insurance layer, intended to absorb costs that might otherwise fall to the athlete's family.
Timeline
September 29, 2026: Headquarters Health announced the partnership.
Market Landscape
This partnership follows an industry-wide trend toward integrating specialized telemedicine into high-school athletic insurance. It extends the operational mandates established by the 2012 concussion management legislation trends by adding a dedicated funding mechanism for virtual care.
Operators of sports programs should evaluate whether their existing insurance plans provide similar zero-deductible coverage for specialized concussion care. Organizations should review the $1.35 annual per-athlete cost against the potential financial liability of unmanaged concussion diagnostic fees.
The takeaway
The addition of virtual clinic access to specialized insurance programs highlights the shift toward centralized injury management for student-athletes. Administrators should verify whether their current liability coverage includes dedicated concussion medical networks to streamline the post-injury recovery process.
Further reading
For more on evolving care delivery models, visit the Healthcare section.
More information
To review the program requirements, visit the HeadStrong concussion insurance program information.
Source note: This article includes information reported by InsuranceNewsNet.
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