Cinergy

Message Author
ampm-bookmark
delicious-small Add to delicious
yahoomyweb-small Add to YahooMyWeb
blinklist-small Add to BlinkList
PostPosted: Thu Feb 07, 2008 3:10 pm   Post subject: Cinergy  

I think that was the name of it. Cinergy health Insurance ,ever hear of it? Anyone? I saw it advertised on tv and thought it sounded to good to be true so maybe it is. Anyone ever heard of it or used it give me your feed back on it .Thanks

hummingbird
Senior member
Leave a quick message



Joined: 04 Dec 2007
Posts: 609


3.57 Dollars($)

PostPosted: Fri Feb 08, 2008 4:52 am   Post subject:   

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



mostchoice.com/Cynergie-Insurance.cfm



Hope it helps Smile


_________________
Register Now to have your Insurance queries solved.
Cold-blizzard
Guest







PostPosted: Fri Feb 08, 2008 4:57 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!


_________________
Register Now to have your Insurance queries solved.
Macshean
Guest







PostPosted: Fri Feb 08, 2008 5:15 am   Post subject:   

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

hummingbird
Senior member
Leave a quick message



Joined: 04 Dec 2007
Posts: 609


3.57 Dollars($)

PostPosted: Fri Feb 08, 2008 5:20 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?




Evaluating all these aspect before you decide upon the carrier.



Take care!!

Anida Santos

_________________
Register Now to have your Insurance queries solved.
Anida Santos
Guest







PostPosted: 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.

goodnatured
Senior member
Leave a quick message



Joined: 04 Nov 2007
Posts: 1222


1.17 Dollars($)

PostPosted: Fri Feb 08, 2008 4:17 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.

hummingbird
Senior member
Leave a quick message



Joined: 04 Dec 2007
Posts: 609


3.57 Dollars($)

PostPosted: 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.

goodnatured
Senior member
Leave a quick message



Joined: 04 Nov 2007
Posts: 1222


1.17 Dollars($)

PostPosted: Sat Feb 09, 2008 5:05 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


_________________
Register Now to have your Insurance queries solved.
Anida Santos
Guest







PostPosted: Sat Feb 09, 2008 5:00 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.

goodnatured
Senior member
Leave a quick message



Joined: 04 Nov 2007
Posts: 1222


1.17 Dollars($)

PostPosted: Sat Feb 09, 2008 5:20 pm   Post subject:   

Cinergy Pays Limited Indemnity Benefits



Quote:
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.




PS - Lakemen, this is a copy and paste job, don't expect payment.



Post quoted - Lakemen


_________________

"The good you do today may be forgotten tomorrow. Do good anyway."

— Mother Teresa
InsuranceMaze
Community Consultant
Leave a quick message



Joined: 16 Oct 2007
Posts: 582


24.34 Dollars($)

PostPosted: Sat Feb 09, 2008 8:01 pm   Post subject:   

Quote:
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 .


(you know that sounds like to me that if you have surgery that it pays the cost I know that can't be true must be the insurance talk That i don't understand.What is (up to an Unlimited Annual Maximum ) and also what is( 80% of the federal Medicare allowable schedule ) I don't understand those things along with other things .I think thats why some of us do not understand out insurance coverage.Why don't they speak plain laymen terms so we can understand our coverage?Some of the plan sounds ridiculous.



Part of post quoted - Evan
hummingbird
Senior member
Leave a quick message



Joined: 04 Dec 2007
Posts: 609


3.57 Dollars($)

PostPosted: Sat Feb 09, 2008 8:02 pm   Post subject:   

Also can yo give me the link where you found that so that I can read more into it.Thanks My sister drives a school bus and she got insurance through the county but could not afford to put her husband on there also.

hummingbird
Senior member
Leave a quick message



Joined: 04 Dec 2007
Posts: 609


3.57 Dollars($)

PostPosted: Mon Feb 11, 2008 7:21 am   Post subject:   

Hummingbird:



This is how I read what was posted. First, the surgery has to be medically necessary and for a covered illness. The unlimited annual maximum would seem to mean that there is not a maximum benefit for surgeries. As for the 80% of the Medicare schedule; this is an assumption…. Medicare has a schedule that it will pay for all procedures…. which is fine for someone that has Medicare but not so good for others.



Lets say you need knee replacement, when they bill the surgery there is a procedure code that goes with the surgery. (There is a procedure code that goes with every procedure). Medicare has a schedule for each procedure code. Lets say that for knee replacement its $5,000.00. Lets say the provider bills $8,000.00. Medicare only allows the 5K and pays their portion. The Medicare patient is responsible for there % of the 5K that Medicare did not cover and the 3K is written off by the provider.



In your case, this insurance company pays 80% of the 5K, you are responsible for the other 20%. As you are not on Medicare, the provider can then bill you for the 3K. They are never real clear on this.



A couple things struck me when I look at what was posted and a few things to think about.



1 How healthy is the person that is going to be covered for this plan? Have they in the past been admitted to the hospital numerous times. If you look at the benifit, its $1,000.00 per. That's about 1 day in the hospital, and that is also most likely based on the same Medicare schedule. Also, the surgery above most likely only covers the surgery. If it is major surgery there is going to be a hospital stay and would fall under an admission or in hospital.



2 Is the plan only going to be used for a few office visits a year. If so, that seems fine, but it would seem that it would still be subject to the Medicare schedule.



3. Diagnostic testing. Sure they put x-rays and labs, but what about CT scans, EKG, MRI.... I had 4 CT's and 1 MRI this year which ranged between $700 - $2000 each. That $100.00 won't go real far. If the scans are for an accident, that would seem fine, but what other services are being done after an accident that would eat up the listed 5K.



These are all assumptions based on the information that was posted, but I would bet I am pretty close.


_________________
Register Now to have your Insurance queries solved.
Dasfuk.
Guest







PostPosted: Mon Feb 11, 2008 7:15 pm   Post subject:   

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.

My hospital bill for the ER was over 500.00 so that is just a small amount for that.

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. )

Does that go along with the other? These are all confusing to me and I'm beginning to think that why they speak geek,so I can't understand what kind of policy I would be buying till I tried to us it and found out it is almost worthless!They make it sound so good on tv then you see all this fine print on the bottom of the screen that passes so fast you would have to be a speed reader to read it. Thanks for trying to explain all that to me.

hummingbird
Senior member
Leave a quick message



Joined: 04 Dec 2007
Posts: 609


3.57 Dollars($)

Quick Reply
Your Name
Subject
Message body
All times are GMT
1, 2, 3  Next  
Page 1 of 3


Get a Quote
Ask Community Experts

flash plugin

Quick Links

Must See

Community

Hot topics in forums

Latest in blogs

AmPmInsure on Facebook



Page loaded in 0.386 seconds.