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 Posted: Thu Jul 16, 2009 3:47 am Post subject: Cinergy Insurance the "Disabled" and the "Rea |
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I wish that there was a good and affordable insurance company here in the State of Ohio, where I have
lived since 31-October-1996.
My roommate/landlord/care provider, is "self-employed" (the State of Ohio pays him to take care of me, but does not hold back his taxes, so that makes him an "independent provider", so he has to bill just like a doctor would bill the State of Ohio).
He has Spastic Quadriplegic Cerebral Palsy (it affects all four limbs, but he can walk without assistance). It affects him by giving him slightly slurred speech, "moderate to severe hearing loss". Otherwise he is in PERFECT HEALTH. His BP, Cholesterol, and other bloodwork are "normal" or better. He has not smoked as long as we have been roommates (over 14 years, I am very allergic to cigarette smoke), He quit cold turkey. He also stopped drinking at the same time (he never drinks any alcohol).
So he is a "dream" to insure. Just "routine office visits", injections for flu annually and Pneumonia every 4 years (a work requirement so I do not get sick if he becomes a "carrier" of it, since he is my only Personal Care Attendant), and to be covered just in case of an emergency (if I were to fall and he were to catch me and "wrench his back", for example). He is 52 years of age, and people in his family tend to live to be in their mid to late 80's except his half sister who died of breast cancer (cancer, alcohol and tobbaco addiction, as well as heart disease were very prevalent on her father's side of the family... but not on either side of the blood line of my PCA's family).
So he is in "perfect health" except for having Cerebral Palsy since birth and "moderate to severe hearing loss", that requires bilateral hearing aids.
My own situation, forces me to stay on disability. I try to survive on $707
a month in Social Security Disability Income. I make too much to qualify for Supplemental Security Income. I get $88 in USDA Food Stamps on an Electronic Benefit Card each month. $600 goes to my rent (including
all utilities, if the gas or electric bill goes up, I do not pay a penny more), and the other $107 goes to my credit card to pay the co-payments for Medicare Part-D drug plan (before Medicare Part D, Ohio Medicaid paid for all of my medications at no cost to me). So I can not afford to live without my Medicare and Ohio Medicaid (no insurance company will take me, my medical history is located at http://home.att.net/~JBT-DMC/JohnsMedicalHistory.html ).
I have a Doctorate of Divinity in Theology and a Doctorate of Philosophy in Counseling (British Equivalent of a PhD in Psychology), Those are wasted skills somewhat. I am a Volunteer Chaplain and Pastoral Counselor, for Hospitals, Nursing Homes, and Hospices.
My medical care (Personal Care Attendant is $5000 a month, my 15 medications are mostly generics and even those are expensive and come to about $1000 a month if paid for in cash, medical supplies such as bowel and bladder supplies are about another $2000, and those are just my MONTHLY expenses... my visits to my cardiologist once a year, my Internist 4 times a year, and my Ophthalmologist due to my glaucoma 4 times a year, et cetera with a doctor's visit averaging $200 a visit, a "Cardiac Stress Test" each year that costs $2000 cash price).
So I would have to have a job with "full benefits" or make about $12,000 a month to cover things such as my medical costs as outlined in the last paragraph and my "quarterly" and "annual" expenses. To cover my pretty much "monastic" living situation (I have one pair of nylon shorts, a polo shirt, a pair of sweat pants, a sweat shirt, and two pairs of underwear briefs and socks as my total clothing... I bought those about 20 years ago, and I do not know when I would be able to afford to buy any others). I will be 41 on the 22nd of July 2009, and odds are I would celebrate it by sleeping (can not afford to even get a "happy meal" at MickeyD's. I live cutting things "right to the bone", when my food stamps run out, I am out of food until the card refills on the 8th of the next month (or the FOLLOWING business day if the 8th is a weekend or holiday).
So staying on disability and living on Medicare and Ohio Medicaid are my only choice at this point. Sewing clothing anytime there is a hole in them, since I can not afford new clothing (there is more thread than original fabric, I think). I think the clothing I have now originally cost $25 when I bought all of them all those years ago. I have lived "on the cheap"for a long time. At least when I am visiting the hospital and such, they loan me a set of scrubs for my Chaplain work, that I return before I leave, or if I am visiting a nursing home and/or a hospice the same day, I have to return to the the hospital to drop off the scrubs before I go home. Otherwise I do the Chaplain and Pastoral Counseling work on the telephone.
For what it is worth,
John |
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RevDrJBTDDPhD
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Joined: 16 Jul 2009
Posts: 1
Location: Mansfield, OH, United States
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| Posted: Tue Jul 21, 2009 4:23 pm Post subject: |
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No, they do not, they charge family premium and then will not pay a claim on one of the dependents. When you call they put you on hold for 20 minutes, they come on the line and tell you to cal back in 2 hours then disconnect you. This company is nothing but a rip off. Beware they are only here to take advantage of you
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Anti Cinergy
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| Posted: Wed Jul 22, 2009 3:55 am Post subject: |
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Hi Anti Cinergy,
What do you mean by 'they wouldn't pay for one of the dependents'? Have you tried calling them back? What was their response?
Hope you have checked the policy document to make sure that the dependent and the cause were both covered under the policy. |
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jeorge
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Joined: 07 Oct 2005
Posts: 753
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| Posted: Wed Jul 22, 2009 12:30 pm Post subject: health insurance replacement |
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i have humana insurance and it has gone so high i can no longer afford the coverage. can you replace a plan such as humana
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DEBORAH KANE
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| Posted: Thu Jul 23, 2009 11:18 am Post subject: |
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| Is it an individual plan or group plan? Have you tried shopping around for better rates? |
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kelvin
Senior member
Joined: 22 Nov 2005
Posts: 207
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| Posted: Sat Jul 25, 2009 12:24 pm Post subject: |
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Hi Anti,
| Quote: | | No, they do not, they charge family premium and then will not pay a claim on one of the dependents. |
Would they choose any one of the dependents? Or is it that they won't settle for the last person remaining to file a claim?
Thanks, Plasticmind
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Plasticmind
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| Posted: Mon Jul 27, 2009 5:21 pm Post subject: cost |
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what is the cost of this insurance
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ruth wertz
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| Posted: Wed Jul 29, 2009 3:42 pm Post subject: policy |
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are you hmo ppo pos or epo?
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mamita
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| Posted: Thu Jul 30, 2009 12:46 pm Post subject: Supplement Policies to Medicare |
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Does Cenergy have supplement Polecies to pay the 20% that Medicare does not pay?
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Paul Everett
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| Posted: Tue Aug 11, 2009 6:13 pm Post subject: providers |
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list of doctors in the 19002 area code excepting cinergey health and what hospitals in Pa. excpt them
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gennaro
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| Posted: Mon Aug 17, 2009 7:57 pm Post subject: rates/summary of benefits |
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rate sheet and summary of benefits
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yougotoptions@att.net
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| Posted: Tue Aug 18, 2009 8:01 pm Post subject: dermatolgist |
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does it cover a procedure on sun-damaged pre-cancer spots?
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y'hudit
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| Posted: Sat Aug 22, 2009 4:10 pm Post subject: Does cinergy cover teens? |
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Does it cover teens in house holds that are not in school anymore. Like my daughter is 19 and she is out of school and might go to college but still lives in my house.
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19 year old
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| Posted: Sat Aug 22, 2009 6:39 pm Post subject: Cinergy |
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The complaints were when they were offering discount cards for medical services as opposed to now when they convered to providing actual insurance. This ia real affordable basic medical insurance. Certainly better than none and way better than discount cards.
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Mark L
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| Posted: Wed Aug 26, 2009 7:35 am Post subject: Cinergy is a fraud and a scam |
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Do not buy Cinergy Health. It is not worth your money. They paid $2.00 on my uncle's medical bill. The bill was for $786.00 and they sent him a check for $2.00. God should come down and kick that building over. It is a total scam product. They are getting sued left and right. They'll be gone soon, but not soon enough.
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Cinergy is a fraud and a
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