What services do they offer?
How does the Cinergy health insurance plan work?
- Visits to physicians
- Stay in hospital
- ICU expenses
- Benefits in critical care
- Diagnostic tests
- Regular wellness check-ups
- Precautionary tests
- Pregnancy or related issues
- Medical assistance for accidents
- Emergency room stays
- Accidental death and dismemberment coverage
Why would anyone choose Cinergy Health Preferred?
When are you eligible for a health plan with Cinergy?
Cinergy states that their plans have been designed mainly for those individuals who:
- Have no access to major health insurance
- Have little or no means to afford major health insurance
- Have health insurance plans with very high deductibles and yet very little benefits
What consumers say about Cinergy?
There have been quite a few complaints about Cinergy Health, Inc. Some of them include:
- Cinergy is said to be inaccessible when their customers need them.
- They have been accused of keeping the customers' money beyond the agreed term of payment.
- They make customers pay way more than what they have advertised.
- They do not pay the entire money spent on a doctor visit. They pay only a fixed amount and nothing beyond that.
If you want to contact Cinergy, you may use their contact details and if you want to share any of your experiences (good or bad) with Cinergy Health, Inc. do write your opinion in our forum.
- Is Cinergy health insurance good?
- Does Cinergy cover inexpensive policies?
- General information about Cinergy health insurance
- Does Cinergy operate in New York?
Total Comments: 101
Posted: Sat Mar 28, 2009 01:33 am Post Subject: cenergy health care
do you know any health insurance that will cover a person who is undectable from the hiv virus. there are some but very expensive ,are there at low cost.
Posted: Sat Mar 28, 2009 09:45 am Post Subject: cenergy health care
Sorry, I think you need to rephrase the question :(
What do you mean by 'undectable from the hiv virus. '?
Posted: Sat Mar 28, 2009 09:56 am Post Subject: cenergy health care
And TS, you must have read the replies from the other members too regarding Cinergy. The plan offered by Cinergy isn't health plan, rather its a discount plan which would help you in getting medical services and drugs at discounted rate. However, you'd still be responsible for paying the charges. The health insurer, on the other hand, would compensate you for the expenses towards healthcare.
Posted: Sun Mar 29, 2009 03:26 am Post Subject: cenergy health care
Cinergy health is only another alternative of a health insurance for people who cannot afford it. however, it only covers a certain amount of your medical expenses.
TS, only if you fall sick frequently, then cinergyhealth is the thing for you.
Posted: Tue Mar 31, 2009 08:28 pm Post Subject:
Cinergy is also claimed to be great coverage for people with pre-existing conditions. This is the reason that they don't ask many health questions.
Question - I can't find anyone in my state that has heard of them. Is that because they could be new to the state of SC? What about claims? Do you have to file yourself or what?
Posted: Tue Apr 07, 2009 07:39 pm Post Subject:
It is best go visit their website. If you're uninsurable...it is an option to consider.
Otherwise, I'm not a big fan of them.
Posted: Fri Apr 17, 2009 04:34 pm Post Subject: MS
I have MS and I do have medical insurance. My husband and I are paying almost $700.00 a mouth. Thinking about changing to something cheaper. I have not found any insurance company that will take me. So I was excited to find Cinergy.Now what I read is scaring me. Has anyone had a good experience with this company?
Posted: Sun Jun 07, 2009 03:05 am Post Subject: SUSPICIOUS from phone experience with them
This is a company that insists that you purchase their product before they are willing to tell you exactly what you are paying for:
I went on their site and requested a quote; I got a call within a minute and the caller was very agressive and rude. Anytime I started to ask a question he interrupted me and gave me an answer that had nothing to do with my question, or told me that the question I was trying to ask was not important! When I asked him to please allow me to finish even a single sentence, he hung up on me.
I had an experience like this with a similar-sounding scam, about a year ago. Maybe it's the same people using a different name so they won't be recognized. Their sales guy did let me ask my questions, but was nonetheless evasive anytime I asked for real details. He told me there was a non-refundable application fee, so I asked him to provide me with the exact terms and conditions of coverage before I coughed up money I couldn't get back. He told me that the only way to get the terms and conditions was to pay the application fee and the initial premium - but if I didn't feel the coverage was worth the premiums after reading the terms and conditions, I would still lose the application fee.
Has anyone been able to get a full disclosure of terms and conditions without having to risk losing their application fee?
Aside from all that, I was not impressed (from the very little information they did provide on the website) with what I was being offered for $240. It seems that MAYBE I'd save a few bucks here and there, but if something really nasty came up medically, the coverage wouldn't come remotely close to the disastrous bills that could result. Just take a look at what they have on the site, and compare it to the realities of health care costs.
Google them - you'll find more than a couple of MAJOR complaints. I'm considering complaining to the radio station that accepted their advertising.
Posted: Sun Jun 07, 2009 08:25 pm Post Subject: Is Cinergy Health Insurance a reliable health care provider?
If you ever watch their commercials, they call their product "health insurance".
Now, I guess one hand you could claim it is health insurance , in that it helps to reduce your medical expenses. Which is what health insurance is.
On the other hand, whenever anyone (Insurance Broker or a consumer) hears "Health Insurance" they automatically are thinking "Comprehensive Major Medical/Catastrophic".
That is what is so misleading about companies like Cingergy and AIM Health Plans.
If you do not qualify for "Real " Health Insurance , then I advise you go with Assurant or Companion Life's line of limited medical policies.
Posted: Mon Jun 08, 2009 04:25 pm Post Subject:
I prefer some of the more well known providers like Anthem, Aetna and United Healthcare - Golden Rule for more traditional health insurance plans and coverage.