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: Mon Jun 08, 2009 04:45 pm Post Subject:

There is often a lot of confusion regarding health plans and savings programs that represent themselves as insurance. Many of these programs are NOT insurance and are simply a discount plan or a pre-arranged care contract.

If the person that is selling you the health plan or discount program doesn't have an insurance license...that is a big clue! We have a lot of people here in SC selling AmeriPlan (which is worthless in our area with little to no providers) and it is simply a discount plan. Even some of the representatives don't understand the differences between their plan and an insurance policy.

Be Careful...and do your research!

Posted: Thu Jun 11, 2009 06:18 pm Post Subject: maternity

do you guys no if the cinergy will cover the birt of the baby in the hospital and the expenses of maternity for non citizen women?

Posted: Fri Jun 12, 2009 06:07 am Post Subject:

Mike, I doubt if health insurance is even an option to non-citizens. The only access to health insurance that they might have is through their employment. Therefore, check with your employer.

And secondly, Cinergy doesn't offer health insurance. What it offers is a discount plan which would allow you to get immediate reduction in the service cost with the network physicians and hospitals when you would still be responsible for the remaining bills.

However, just hang tight the experts might suggest you some options.

Posted: Tue Jun 16, 2009 12:31 am Post Subject: about cinergy

I signed up for cinergy because i recently found out i was pregnant. Was that a mistake?

Posted: Tue Jun 16, 2009 05:29 am Post Subject:

Hi Smayo, will they cover this pregnancy? I think that's the answer you need to find the answer for.

Normally health insurers consider pregnancy a pre-existing condition and though you may sign-up for health insurance during trimesters but the insurer wouldn't cover the current one. However, you would receive coverage for one in the future.

Posted: Tue Jun 16, 2009 04:06 pm Post Subject: reply to jorge

Hi jeorge. Thank you for the reply. Are you saying that it wouldn't cover the current trimester or the entire pregnancy? I'm confused.

Posted: Wed Jun 17, 2009 04:04 am Post Subject:

Sorry about the confusion Smayo. :(

Health insurer wouldn't cover the current pregnancy but the future conditions would be covered. But since discount plans are not affected by the pre-existing conditions you may get the pregnancy covered alright.

Now, you must understand that what you have from Cinergy is not health insurance but a discount plan. You would receive discounted rate from the in-network doctors, hospitals and other health organisation but at the same time would be responsible for the rest of the bill.

I'm curious to know why you have signed up for Cinergy instead of health insurance and what you have been told by their sale representative during the sign-up.

Are you aware that you haven't purchased a health insurance policy?

Posted: Wed Jun 17, 2009 11:17 pm Post Subject:

I joined cinergy because I found out I was pregnant and had no insurance. I cancelled when I found out from the insurance commissioner's office in my state that cinergy wasn't worth anything. One of the people from cinergy told me that I wouldn't have to pay for any of the prenatal visits and they would pay 80% of the medicare rate after the baby was born. I called my hospital and they said there was no such thing. But luckly I got my money back. And that's only because I did a stop payment at my bank.

Posted: Thu Jun 18, 2009 04:46 am Post Subject:

Hi Smayo,

So, you have cancelled the Cinergy policy. :D You also did a great thing by looking them up with the Insurance Commissioner's office.

Now, have you started looking for a proper health plan?

Also, the states run health programs to offer subsidised health care to pregnant women and infants. You may check out with your state’s health department as well.

Posted: Thu Jun 18, 2009 11:57 am Post Subject:

I cancelled when I found out from the insurance commissioner's office in my state that Cinergy wasn't worth anything.

Did you come across any relevant information pertaining to settlements associated with Cinergy?

But luckly I got my money back.

Who did you get this reimbursement from?

Steven