Cinergy health insurance: Are they reliable?

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PostPosted: Tue Mar 31, 2009 8:28 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?


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Katie
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PostPosted: Tue Apr 07, 2009 7:39 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.



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PostPosted: Fri Apr 17, 2009 4:34 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?


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PostPosted: Sun Jun 07, 2009 3:05 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.

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PostPosted: Sun Jun 07, 2009 8:25 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.


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PostPosted: Mon Jun 08, 2009 4:25 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.



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PostPosted: Mon Jun 08, 2009 4:45 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!

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PostPosted: Thu Jun 11, 2009 6:18 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?


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PostPosted: Fri Jun 12, 2009 6:07 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.

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PostPosted: 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?


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PostPosted: Tue Jun 16, 2009 5:29 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.

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PostPosted: Tue Jun 16, 2009 4:06 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.


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PostPosted: Wed Jun 17, 2009 4:04 am   Post subject:   

Sorry about the confusion Smayo. Sad



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?

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PostPosted: 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.


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smayo
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PostPosted: Thu Jun 18, 2009 4:46 am   Post subject:   

Hi Smayo,



So, you have cancelled the Cinergy policy. Very Happy 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.

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