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.

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.

Thanks,
Rupert

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.