INSURANCES

Advantages of Health Insurance

Health Insurance means you may be covered for health services from hospitals, doctors, rehabilitation clinics and other healthcare organizations and professionals.

Neurosurgery services include emergency health crises that require in-patient care, ICU (intensive care unit) care, and highly sophisticated surgery interventions on the brain, spine and nerves.

The cost of such (often life-saving) surgeries exceeds what most people can pay out-of-pocket. Insurance is generally needed to cover the cost of surgery for conditions of the brain and spine and nerves.

Cerbo Clinic contracts with most Health Insurance companies and their plans, for the convenience and benefit of our patients. Please familiarize yourself with the insurances we contract with.

Whereas we strive to keep this list updated, the listing of a particular insurance or plan does not guarantee that the insurance will honor their contracts, or will pay for the insured patient’s consultations or surgery.

Contact us for any questions or concerns about your surgery including insurance coverage and charges for a planned surgery, or for services already provided.

Limitations of Health Insurance

Cerbo Clinic is in-network with several health insurances and accepts health insurance payments for outstanding patient balances. However, health insurances are for-profit corporations that often leave their customers, e.g. patients, stranded without payment for medical services that have already been provided to them (for instance, in a life saving emergency operation for trauma or stroke or brain cancer).

Often, insurance companies pay only an insufficient, partial amount for the services provided.

Payment for medical services is the responsibility of the patient receiving care or the guarantor/policy holder. By establishing care with Cerbo Clinic, you assume responsibility for payment of your medical bills.

Please note that in addition to your surgeon’s fees owed to Cerbo Clinic, you and your health insurance will likely be responsible for additional costs and invoices related to surgery. These charges may be related to services rendered by hospitals, imaging centers, pharmacies, and independent medical professionals (e.g. anesthesiologists, radiologists, etc).

If your insurance is not listed, please contact us and we may be able to request authorization for payment from your insurance carrier ahead of treatment.

We reserve the right to charge 50% of customary surgeon fees (advance payment/retainer/registration fee) prior to scheduling any surgery with the hospital or surgery center. We will return the advance payment to you once we have received payment from your insurance company.

For a list of health insurances we accept – see below.

Concierge neurosurgery option: Contact Cerbo Clinic for VIP options and pricing.

AARP - UHC

AARP COMMERCIAL INSURANCE

ACCOUNTABLE HEALTHCARE IPA

AETNA

ADVANCED MEDICAL MANAGEMENT

AFFINITY MEDICAL GRP

ALAMEDA ALLIANCE

ALIGNMENT HEALTHCARE

ALLIANZ GLOBAL ASSISTANCE

ALLIED BENEFIT SYSTEMS

AMA INSURANCE AGENCY

AMERICAN INTERNATIONAL GROUP

AM TRUST NORTH AMERICA

ANTHEM BLUE CROSS

ANTHEM HMO

BLUE CROSS ANTHEM

BCBS OUT OF STATE

BLUE CROSS OF CALIFORNIA

BLUE SHIELD OF CALIFORNIA

BLUE SHIELD OF CA PROMISE HEALTH PLAN

BLUE SHIELD OF FEDERAL

BRAND NEW DAY

BROWN AND TOLAND MEDICAL GROUP

CALIFORNIA IPA

CAREMORE BLUE CROSS MEDICARE HMO

CARE 1ST

CARE FIRST

CAREMORE

CAREMORE BLUE CROSS MEDICARE HMO

CARPENTERS HEALTH AND WELFARE

CENTRAL CALIFORNIA ALLIANCE FOR HEALTH

CHINESE COMMUNITY HEALTH PLAN

CHOICE CARE

CIGNA

CIGNA PPO/POS/OPEN ACCESS

COMMUNITY HEALTH NETWORK

CHCN

COORDINATED BENEFIT PLAN

CORVEL

COVENTRY

COVENTRY HEALTHCARE NETWORK

DELTA HEALTH SYSTEMS

EMPLOYERS INSURANCE GROUP

FIRST HEALTH / CCN

GALLAGHER BASSETT

GEHA

GEHA - GOVT EMPL HLTH ASSOC

GREATWEST OF CA

GUARDIAN

HARVARD PILGRIM HC

HEALTHCARE PARTNERS

HEALTH NET

HEALTH PLAN OF SAN JOAQUIN

HEALTH PLAN OF SAN MATEO

HEALTHSMART MSO

HILL PHYSICIANS MEDICAL GROUP

HUMANA

HUMANA TRICARE SOUTH
HUMANA VETERANS

IMPERIAL HEALTH

INTERNATIONAL MEDICAL GROUP

INTER PLAN

INTER PLAN IHG
INTER PLAN PPO

KAISER PERMANENTE OF NORTHERN CALIFORNIA

KEY MEDICAL GROUP

LABORERS HEALTH & WELFARE

LASALLE MEDICAL ASSOCIATES

MEDI-CAL

MEDICAL MUTUAL

MEDICARE

MEDICARE CA (NORTHERN) - NORIDIAN PART A

MERITAIN HEALTH MINNEAPOLIS

MONUMENTAL/TRANSAMERICA LIFE INS CO

MULTI-PLAN

MUTUAL OF OMAHA

NORTHERN CAL ADVANTAGE MEDICAL GROUP

NORTHERN CALIFORNIA PHYSICIAN NETWORK

ON LOK SENIOR HEALTH SERVICES INCORPORATED

OPERATING ENGINEERS

OPTUM VA

OXFORD

PACIFICSOURCE

PALO ALTO MEDICAL FOUNDATION

PALO ALTO MEDICAL IPA

PARTNERSHIP HEALTH PLAN MEDICAL

PMG (Physicians Medical Group)
SCCIPA (Santa Clara County Independent Physicians)

PHCS

PHYSICIANS MUTUAL INSURANCE COMPANY

PMG

PMG (Physicians Medical Group)

PREFERRED HEALTH NETWORK

PREMIER CARE OF NORTHERN CALIFORNIA

PREMIER CARE IPA

PRIME HEALTH

QUALCARE IPA

PMG (Physicians Medical Group)
SCCIPA (Santa Clara County Independent Physicians)

SANTA CLARA COUNTY IPA

SCCIPA (Santa Clara County Independent Physicians)

SANTA CLARA FAMILY HEALTH PLAN

SANTA CLARA FAMILY HP BLUE CROSS MEDI-CAL

SANTE COMMUNITY PHYSICIANS MED GRP CORP

SCAN HEALTH PLAN

SANTA CLARA FAMILY HP BLUE CROSS MEDI-CAL

SEDGWICK

SEOUL MEDICAL GROUP

SILICON VALLEY MEDICAL DEVELOPMENT

STANFORD HEALTHCARE

STANFORD HEALTH CARE ADVANTAGE

SUTTER HEALTH PLUS

TEAMSTERS

TEXAN PLUS

TRICARE EAST

TRICARE WEST

TRI-WEST (TRICARE FOR LIFE)

TRIWEST VA CCN

UCARE

UEBT RETIREE HEALTH PLAN

UFCW NORTHERN CALIFORNIA

UMR

United Healthcare

UNITED HEALTHCARE SHARED SERVICES
UHC MEDICARE PRODUCT

UNIVERSAL CARE BND MCR

USAA

USAA LIFE INSURANCE

U.S. NETWORKS AND ADMINISTRATIVE SERVICES

Valley Health Plan

WALMART CLAIMS SERVICES, INC

WASHINGTON SENIOR CARE

WESTERN GROWERS

WORKER'S COMP PLANS

WORKERS COMPENSATION