Cinergy

Posted: Fri Feb 08, 2008 04:52 am Post Subject:

Hey you can check out the following Url.....

mostchoice.com/Cynergie-Insurance.cfm

Hope it helps :)

Posted: Fri Feb 08, 2008 04:57 am Post Subject:

I would rather advise you not to get carried away by the endorsements. Often the promises that they made in their advertisements miss match with the reality. Therefore, don't jump into any conclusion before doing the necessary research on your part. Cheers!

Posted: Fri Feb 08, 2008 05:15 am Post Subject:

Thanks,I will check out the link and see what I think. Keep you all posted.

Posted: Fri Feb 08, 2008 05:20 am Post Subject:

One needs to keep few things in mind while choosing the health insurer (or any insurer)

• 
  
  
• Are they offering me the coverage thats relevant to me?
  
  
• What does it cost?
  
  
• What are the covered diseases?
  
  
• Do I require any ad-on or rider to obtain the coverage?
  
  
• What's its financial strength?
  
  
• What's the claim payment history of the company?

Posted: Fri Feb 08, 2008 11:52 am Post Subject:

Great advice Anida,
You may want to find out too if there are out of pocket expenses, such as copays for doctors and specialists, and if there is prescriptions and other commonly used perks available with the policy. You get what you pay for and nothing like finding out too late that something was not covered.

Posted: Fri Feb 08, 2008 04:17 pm Post Subject:

Well I checked out that link. It does not sound like the commercial at all. I heard no co pay for surgery.All I saw was a place to put in your info and get a quote. Maybe this is not the site.This sounded like an insurance company and this site looks like they are just a sponsor of several company and find the best one for you.

Posted: Sat Feb 09, 2008 12:06 am Post Subject:

You really got take a serious look at this stuff before you commit, it is tough to find out to late like after a surgery and you have a huge bill to pay. End up layed up and in collections with a huge bill.

Posted: Sat Feb 09, 2008 05:05 am Post Subject:

Thank you, goodnatured, for the words of appreciation. And you too have mentioned a very important point. Yeah, one should learn all the policy clauses thoroughly, to avoid misunderstandings later on. Often we miss out the small prints describing the details. Hope hummingbird would delve little more about the company before committing to it.

Take care!!
Anida Santos

Posted: Sat Feb 09, 2008 05:00 pm Post Subject:

I think that you need to also have discussion with customers who have used the product too. I mean if you think about it, you would not buy a vehicle that is constantly under repair and has a poor reputation, so why not take this frame of mind when it comes to health care purchasing, it just makes sense.

Posted: Sat Feb 09, 2008 05:20 pm Post Subject:

Cinergy Pays Limited Indemnity Benefits

Doctor Office Visits:
Pays the first $100 per visit towards physician services when the insured person seeks treatment for covered illnesses and accidents for up to five visits per year.

Diagnostic Testing, X-Ray & Lab Benefit:
Pays the first $100 per visit for diagnostic testing, x-rays and laboratory fees for up to thee visits per year.

Wellness Benefit:
Pays the first $100 per visit for routine preventative tests such as vision tests, electrocardiograms, mammograms and colonoscopies for one visit per year.

Emergency Room / Urgent Care Visits:
Pays the first $100 per visit for emergency care for a covered illness or accident for one visit per year.

Hospital Admission Benefit:
Pays the first $1,000 per admission to a hospital for up to four admissions per year.

Daily In-Hospital Confinement Benefit:
Pays the first $1,000 per day of hospitalization for up to 30 days per year if you are admitted to a hospital as a patient due to a covered illness or accident.

Hospital Intensive Care Unit Confinement Benefit:
Pays the first $1,000 per day for up to 15 days per year if you are admitted to a hospital ICU as a patient because of a covered illness or accident.

Surgery Benefit:
This benefit will pay the cost for medically necessary surgeries up to an Unlimited Annual Maximum for any covered person that undergoes a surgical procedure with anesthesia due to a covered accident or illness. Coverage is 80% of the federal Medicare allowable schedule .

Anesthesia:
Covers the cost of anesthesia up to an amount equal to 25% of the surgical benefit.

Mental Health and Substance Abuse Benefit:
Covers inpatient and outpatient care for mental illness and substance abuse treatment.

Accident Medical Benefit:
Pays up to $5,000 per year for charges incurred due to injuries received in a Covered Accident. Covered charges are subject to a $100 Policy Year deductible.

Accidental Death & Dismemberment:
Pays up to $15,000 Per Insured if the insured dies or loses a limb as the result of an injury.

This is not a major medical plan.