Insurance & Billing

Cerbo Clinic is in-network with most major health insurance plans.

We provide emergency neurosurgery care for all, independent of insurance status. 

For elective evaluations, you may choose private pay or inquire with your health insurance (customer care phone number on the back of your card) if they will authorize a visit with Cerbo Clinic (tax ID 81-5138921). You may need to request pre-authorization and a specialist referral from your Primary Care Provider (PCP).

医疗保险意味着您可以享受医院、医生、康复诊所及其他医疗机构和专业人员提供的医疗服务。

神经外科服务包括需要住院治疗的紧急健康危机、ICU（重症监护室）护理以及针对大脑、脊柱和神经的高精尖手术干预。 

此类手术（通常是挽救生命的手术）的费用超出了大多数人的自付能力。脑部、脊柱和神经疾病的手术费用通常需要保险来支付。

为了患者的方便和利益，Cerbo 诊所与大多数医疗保险公司及其计划签订了合同。请熟悉我们签约的保险公司。

尽管我们努力保持此列表的更新，但特定保险或计划的列表并不能保证该保险将履行其合同，或将支付受保患者的咨询或手术费用。

如果您对手术有任何疑问或疑虑，包括计划手术或已提供服务的保险范围和费用，请联系我们。

Cerbo 诊所与多家医疗保险机构联网，并接受医疗保险对病人未付余额的付款。然而，医疗保险公司是以营利为目的的公司，它们经常会让客户（如病人）无法支付已经提供给他们的医疗服务费用（例如，外伤、中风或脑癌的救命紧急手术）。

保险公司通常仅对所提供的服务支付不足的部分金额。

医疗服务费用由接受治疗的患者或担保人/保单持有人负责。通过与 Cerbo Clinic 建立护理关系，您承担支付医疗费用的责任。

请注意，除了您欠 Cerbo Clinic 的外科医生费用外，您和您的健康保险可能还需要承担与手术相关的其他费用和发票。这些费用可能与医院、影像中心、药房和独立医疗专业人员（例如麻醉师、放射科医生等）提供的服务有关。

如果您的保险未列出，请联系我们，我们可能会在治疗前向您的保险公司请求付款授权。

我们保留在与医院或手术中心安排任何手术之前收取 50% 常规外科医生费用（预付款/聘金/挂号费）的权利。一旦我们收到您的保险公司的付款，我们将退还预付款给您。

我们接受的医疗保险清单见下文。

神经外科贵宾选项： 请联系 Cerbo 诊所了解 VIP 选项和价格。

Choosing an in-network surgeon helps cut down any costs for you, because in-network means surgeon will accept the lower rates for the convenience of less paperwork, and will never send you a bill other than copays.

Cerbo Clinic is in-network with all major insurance companies because we want to be and remain accessible, and make it easy for our patients to get care without having to worry about out-of-network fees.

To check if Cerbo Clinic (or other specialist you are interested in) is in network with your insurance, do this:

1. take your insurance card and flip it around
2. call the number on the back
3. tell the customer care agent you want to check if a specialist is in network with them
4. Give them the surgeon’s or clinic’s tax ID and they will check it for you. Cerbo Clinic tax ID is 81-5138921.
5. If your insurance says Cerbo Clinic is not in network, kindly let us know and we will look into starting the onboarding for your insurance.  Just email us at billing@cerboclinic.com

Blue Shield – in network but technical access issues have not been resolved by that insurance company, despite our best and repeated efforts. We regret we will not accept any BS members until further notice. If you are a BS member interested in establishing care at Cerbo Clinic, contact Blue Shield and ask them to contact Cerbo Clinic by email to billing@cerboclinic.com

Insurance companies frequently look at the merits of a proposed non-emergent treatment. While well intended to prevent unnecessary cost, the process now involves AI bots programmed to outright reject payments for needed treatments.

Rejected payments become the responsibility of the patient and next of kin. Whereas hospitals will engage in legal proceedings to recoup their owed funds, physicians and surgeons are often left without payments, and worse, patients increasingly face medical bankruptcy.

Therefore, should you be on a plan that requires pre-authorization, be prepared for a lengthy process. You want to ensure that you are covered financially, with a written document from your insurance, prior to requesting services involving  hospitalization, intensive (ICU) care, complex subspecialty care including anesthesia and operating theatre services, inpatient rehabilitation etc.

Please note that a verbal “you are covered” from anyone is insufficient to protect you from medical bills that your insurance company refused to pay. Insurances frequently create charge-backs to hospitals and physicians months or even years after initial payment, which then become the liability of the patient.

Ultimately, it will be your financial responsibility in case your insurance refuses to pay for services rendered, or later reverses decisions and creates chargebacks.

We bill your insurance first. Copays and additional costs not covered by your insurance will be billed to you. For any questions or concerns regarding payments or costs, feel free to email billing@cerboclinic.com

Reach out to billing@cerboclinic.com and we will send you a fair pricing list for our neurosurgery service fees. Please note that we do not have any information about what the hospitals and specialists (anesthesia, radiology, intensive care doctors, rehab specialists etc) would charge.

For hospital financial information and service fees, click the link and follow the prompts to contact the hospital billing departments for cost estimates.

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