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: Wed Jun 24, 2009 08:26 pm Post Subject:

There's only 1 reason to get a Cinergy plan, and it's not the crappy coverage.

Let's say you have the plan for a year, and you paid $250 per month, for a total cost of $3000. Normally, it's not a good deal to pay $3000 for crap. However, Cinergy is recognized by the law to provide "creditable coverage." That means that the law - federal law, plus the State law - requires that a real insurance company SUBTRACT the 12 months you had continuous coverage with Cinergy, from the period of time a real insurance company is permitted to exclude coverage for a pre-existing condition.

Insurance companies typically exclude treatment for pre-existing conditions for the 1st 12 months of coverage. So you can completely wipe out this exclusion if you had a year's worth of coverage with Cinergy. (This example assumes you only get a terrible health condition after 12 months; if you get it after, e.g., 5 months, then the new insurance company can exclude coverage for the remaining 7 months.)

Think of it "pre-existing condition insurance." A payment of $3000 over the course of year could be worth a million or more for treatment of cancer, transplants, etc. with an insurance plan that has robust doctor, hospitalization, and drug coverage.

But if can afford better insurance than Cinergy, get it, as it will give you "creditable coverage" too.

Posted: Thu Jun 25, 2009 05:02 am Post Subject:

I had signed up for Cinergy health insurance but when I made a claim to pay for my doctor's visit, they asked me to fax the bill to them. I tried to send them the bill but the fax numbers they have provided doesn't seem to work. They won't take my call properly too. I am very disappointed with them. I don't think they can be trusted.

Posted: Thu Jun 25, 2009 06:53 am Post Subject:

They don't have any accreditation do they? I didn't find anything on their site. They have a license but there was no accreditation. I doubt if it is reliable?

Posted: Thu Jun 25, 2009 08:34 am Post Subject:

Hi Betty,

Cinergy in its site has displayed the following fax number

Fax: (305) 792-9669

Have you tried contacting in it?

If the people at Cinergy aren't returning your calls you may try to get in touch with the agent who has sold you the plan. He/she may be able to guide you in the right direction.

Posted: Tue Jun 30, 2009 01:59 pm Post Subject: insu

need a phone number to call about cinergy ins.

Posted: Tue Jun 30, 2009 05:27 pm Post Subject:

Member Services: (800) 847-1148
Health Insurance Plan Sales: (800) 847-9151
Local Telephone: (305) 792-9996
Fax: (305) 792-9669

Posted: Thu Jul 02, 2009 12:56 pm Post Subject:

I was hospitalized last year with a severe condition. I had never been diagnosed with this problem nor had I ever been treated for this condition prior. I have not been in the hospital for 18 years, since the birth of my last child. NOW...I am in collections because Cinergy will not pay one bit of my $17,000.00 hospital bill. They are claming it is pre-existing? When I was laying up in the hospital bed for a week, running a fever and thinking I was going to die, I would of never thought I would be up against this enormous bill today. When Cinergy was contacted during my admission, they said everything was fine and that I had good coverage. This is placing me, a single mom into a huge financial burden. I get about 12 calls a day from collections. Cinergy sells you a song and a dance to join. They state they will pay $1,000.00/day for the first 30 days. It never crossed my mind while in the hospital that this WOULD NOT be coming back to bite me months later. When I try to call them to resolve this mess, I leave my name and number and NOBODY has yet to call me back in months. They will answer if you push the button to join, but they are no where to be found when you need your questions answered. I am very disappointed with this "so called" Company and I cannot wait to get out. THINK TWICE about obtaining them...they are not what they crack up to be...I am in the process in communicating with the Better Business B. and my local Congressman. With all the money I pay monthly for this coverage, they now have ruined my good standing credit because of this. Thanks alot CINERGY! What is wrong with our Healthcare System in the United States of America? Shame..Shame..Shame :( :(

Posted: Thu Jul 02, 2009 01:04 pm Post Subject:

Dear Debbie S:
GOOD LUCK!!!! Cinergy should be reported as a SCAM! I too had a similar situation and I had to pay thousands of dollars to a Lawyer to resolve my issues with Cinergy. You can do the same. It is unfortunate that these Insurance Companies can scandal us U.S. Citizens who are tax paying, hard working citizens in this Country. I was laid off my job and loss my Health Ins and saw the Cinergy add on TV. YES, they sell you a song and dance and you think, GOD forbid, you do need medical coverage, that they would protect you...THEY DO NOT! Keep fighting your issues Debbie. YOU WILL EVENTUALLY get reimbursed back like I did! FIGHT FOR YOUR RIGHTS.......

Posted: Thu Jul 02, 2009 08:10 pm Post Subject: The 411 on Cinergy HEALTH INSURANCE

tv is indeed CREDITABLE HEALTH InSURANCE as dictated by FEDERAL. & STATE LAW.
it is INSURANCE not only is the agency licensed but so is the agents that work their.
Yes it covers pregnancy and it is not excluded even if u r already pregnant.
It is not a major medical it is a LIMITED MEDICAL.
And every insurance company has comPlaints.
LOL blue cross more than most.
If u can afford major medical by all means purchase it.
But if u can not or if u r not a citizen then this is one of your few options.
It is NOT A DISCOUNT PLAN but like all insurance carriers they have negotiated discounts with providers for their members.
PS they have a diabetic supply benefit that reimburses the member 100% of cost for supplies even for the pumps and insulin.

Posted: Fri Jul 03, 2009 05:15 am Post Subject:

Debbie, I empathise with you.

Have you checked with the policy document regarding pre-existing condition exclusion? What does it state?

Have you tried contacting the agent who had sold you the policy? He may help you in negotiating the claim with the company.

~Jeremy