Blue Cross Blue Shield FAQ - Cerebrum Health Centers
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Frequently Asked Questions About Blue Cross Blue Shield & Cerebrum


We understand that insurance can be complicated and confusing. That is why we help walk you through every step of the process – so you can focus on your recovery!

Common Questions

What is my deductible?

This will depend on your individual policy, and our Patient Advocates can let you know what that looks like during a complementary phone conversation.

What is my co-insurance portion?

This also depends on your individual policy and is also something your Patient Advocate can go over with you.

What are total costs at the clinic?

The estimated cost of care is our average cash cost ($5,500/week) and is just a rough estimate of patient responsibility. This does not mean that is the amount you will have to pay, for that estimate, a Patient Advocate will need to review your individual policy.

What does Out of Pocket / Stop Loss mean?

“Out of Pocket” or “Stop Loss” or “Maximum” or “Limit” refers to the most you have to pay for covered services in a plan year. After you spend this amount (on deductibles, copayments, and coinsurance) then your health plan pays 100% of the remaining costs of covered benefits.

What is my daily co-pay?

This also depends on the individual policy and is something you can discuss with your Patient Advocate.

How far out are you booked?

We try to get you in for treatment as quickly as possible and as your schedule allows. On average, we usually book 3-4 weeks in advance.

Do I need a referral?

This also depends on your individual policy. For most (but not all) HMO plans you may need a referral from your primary care physician before you can see us or any other health care professional. It’s best to have a Patient Advocate verify this as well, because if your plan requires a referral and you do not have one, then your insurance cannot cover your cost of care.

Do I have out of state coverage?

This depends on your insurance policy, and a Patient Advocate can check this for you.

Can I use my HRS / HSA account?

Yes, Cerebrum accepts HRS and HSA will bill your insurance accordingly.

What is my initial deposit?

Your initial deposit to confirm your appointment is only $250 and can be easily taken care of on the phone with a Patient Advocate. This is entirely applied to your patient cost responsibility, it is NOT an additional cost or fee.

What if my out of pocket balance is too expensive?

If your out of pocket expense causes financial strain, we do have internal payment plans available through the clinic. You may also use Care Credit to cover the cost of your care.

Request a Conversation with a Patient Advocate about your BCBS Coverage