Cinergy health insurance: Are they reliable?

by lloydwalk » Sat Nov 29, 2008 02:29 pm

Cinergy Health Insurance is a program provided by Cinergy Health Inc. It is a company that provides novel and reasonable health coverage solutions for families or individuals who cannot otherwise afford health insurance. Their low cost health plans that substitute the costly major medical plans are designed to help everyone afford health insurance.

What services do they offer?

With their Cinergy Health Insurance Plan they offer restricted medical assistance plans. In this they provide first dollar coverage for the known and predictable medical assistance people may need quite often. Beginning with doctor's visit to diagnostics, maternity and surgeries, they make arrangements for all within your budget. According to the plan they set up for you, you can even choose your own doctors and hospitals. They do not restrict your choice of doctors and hospitals.

How does the Cinergy health insurance plan work?

With a view to create and deliver affordable health plan options this plan has been designed as an alternative to expensive health care plans. Cinergy health care insurance does not involve a big deductible. Their benefits include:
  • Visits to physicians
  • Stay in hospital
  • Surgeries
  • ICU expenses
  • Benefits in critical care
  • X-rays
  • 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?

Cinergy Health, Inc. allows you to have the freedom to choose the doctor you would like to visit and also the hospital you would like to go to. All of this facility is available at a price that you can afford. In a Cinergy Health Preferred plan, you can even move from a limited medical plan to a major medical plan, you have the liberty to do so.

When are you eligible for a health plan with Cinergy?

If you do not have health insurance because you cannot afford it, Cinergy thinks you may qualify for their program. They have partnered with National Congress of Employers (NCE) and hereby have designed these plans for all working Americans in every state. Everyone is qualified for these plans regardless of medical history or any pre-existing conditions.

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 are mixed reactions from people when it comes to their views on Cinergy Health, Inc. Members of the AmPmInsure Community believe that Cinergy is quite a popular company because of its innovative plan. But, again there are other members too who are not happy with the kind of service Cinergy has provided.

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.
Consumers seem to have little faith on the services offered by Cinergy since there is no accreditation mentioned on their website. Some individuals who have paid for their services have been highly disappointed. It also seems that they have provided false numbers and passed them off as official numbers to their customers.

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.

Related readings:

Do they pay claims as advertised and what does the state know abouth the company.

Total Comments: 101

Posted: Sat Sep 19, 2009 01:34 am Post Subject:

Yes, Cinergy Health is a good insurance company. They do cover inexpensive policies. I really don't know if they :wink: operate in New York, but I'm thinking they do.

Posted: Mon Oct 05, 2009 03:18 am Post Subject: Looking for Appoinments

Hi everyone,
I am new in new in the insurance business, i am licensed to sell all insurance product..Life,Health and HMO. I am also licensed P&C agent. I am looking for Health appointments. Can anyone advise me, how to go about getting appointed with a good health carrier.

Posted: Sat Dec 12, 2009 11:08 pm Post Subject: rates

why did my health insurance increase ??

Posted: Mon Dec 14, 2009 02:13 pm Post Subject: Why did your health insurance increase?

Why did the chicken cross the road?

Health insurance increases for almost everyone, unless your wife or husband or other family member croaks and they dont need healthcare any more. It takes alot of money to pay million dollar malpractice awards, malpractive insurance premiums and endless tests in case the doctor or hospital gets sued. Thats the reason why former Democratic Presidential candidate John Edwards, who made millions off suing doctors and hospitals, has a 28,000 square foot house here in North Carolina. No, "house" is the wrong word, even "mansion" doesnt describe it. MEGA MANSION might be a better word since 28,000 sq. ft is about 14 average size houses.

Posted: Thu Feb 18, 2010 04:14 pm Post Subject: Surgery

What does cinergy pay for surgery?

Posted: Mon Mar 29, 2010 03:31 am Post Subject: insurance needed

Have blue shield. they will raise my premiums to nearly $600 per mo. come may. i am in healthy tier 1. can you provide something better?

Posted: Tue Mar 30, 2010 09:58 pm Post Subject:

Cinergy is best used in situations where you can not qualify for standard coverage.

Posted: Mon Apr 19, 2010 07:51 am Post Subject: cinergy health


Posted: Mon Apr 26, 2010 08:21 pm Post Subject: Call Our Online Support Team

We've setup a special phone line to handle all of our online complaints, questions and concerns. Please contact someone from our online support team at 1-866-508-7526.

Posted: Mon Jun 07, 2010 04:11 pm Post Subject: Preexisting

Do you cover preexisting conditions?

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