Read the fine print, paying special attention to the refund policy.

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PostPosted: Mon Feb 11, 2008 11:40 pm   Post subject:   

Staw far away from the Cinergy plan.



When you seee:



"Uniquely designed as an alternative to higher-priced major medical plans"



Run away and run away fast.



Same thing with "medical discount plans." See below:



Before you pay any money, ask the company for a list of providers who participate in its plan. Call the providers and ask about the services and discounts they're offering.





If the plan doesn't provide a list of providers promptly, consider taking your business elsewhere.





Investigate the details of any plan carefully. Read the fine print, paying special attention to the refund policy. If a plan doesn't readily provide information and answers before you buy, it isn't likely to be responsive once they have your money.





If your usual medical or dental providers don't participate, see whether other doctors in your area accept the plan and will give you the discount the plan promoters promise. Some legitimate plans offer a “get acquainted” or “initial consultation” visit so you can meet a practitioner who participates in the plan before you commit to becoming a member.

OhioHealthInsurance
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PostPosted: Mon Feb 11, 2008 11:58 pm   Post subject:   

Great advice, you could also ask you local doctors and hospitals for plans that they recommend.

goodnatured
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PostPosted: Sat Jul 18, 2009 3:58 am   Post subject: Cinergy health  

I read a lot of complaints on Cinergy: misquotes, NO follow-through, some have been fighting with them for at least six months. So far I have read very few good reports.


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luckyldy
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PostPosted: Sat Jul 18, 2009 6:38 am   Post subject:   

Quote:
I read a lot of complaints on Cinergy: misquotes, NO follow-through, some have been fighting with them for at least six months. So far I have read very few good reports.




I hope that you have read enough reports to decide in for or against them.



Luckyldy, consumer experiences vary widely and no two person share the same experience with the same insurance company. Therefore, the insurance companies objective would be to minimise the number of dissatisfied customers by improving their services, and IMO any company failing to do so would lose valuable businesses in the long run.



~ Jeremy
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Jeremy Holter

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PostPosted: Fri Jul 24, 2009 2:11 pm   Post subject:   

This is a medcial reimbursement company much like Aflac and Colonial

their ads are deseptive to say the least they do not offer comprehensive Health Insurance lin the sense of Anthem PHP or Aetna.

Be bvery careful with these types of plan good to supplement your comprehensive plan but not health Insurnace coverage.


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PostPosted: Sat Jul 25, 2009 5:16 am   Post subject:   

Hello Guest, you have pointed it out very correctly that plans offered by Cinergy would fail to replace proper health plans offered by the health insurance companies. The plans that Cinergy offers are mainly discount plans and limited benefit health plans but not comprehensive health insurance.

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simon

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PostPosted: Mon Oct 19, 2009 6:46 pm   Post subject: Bad, bad!  

This is not major medical insurance, and what they do cover is pretty much next to nothing. I know because I've been on this plan for a few months. Some doctors offices haven't even heard of the plan. Every person that I talk to (from the initial sale to customer service now) has a different explanation of what they are and what they cover. A surgery, for example, covers 80% of what Medicare would pay, or so they tell me now. Another thing that is weird is that my insurance salesperson said that there would be 10/20/30/40 prescription plan, and it's really far from it. I'm spending $300 for prescription medications a month rather than the $40ish I used to spend. Nothing seems to follow the 10/20/30/40 plan. And to make things more confusing, the bills processing center is a totally different agency. I was asked by this agency for my certificate of coverage, even though I faxed it to Cinergy as required. Unless you have several hours a week to devote to trying to figure out insurances, I wouldn't do it. I've been trying to get out of this since about when I got in.


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JulieR
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PostPosted: Wed Jan 13, 2010 12:13 am   Post subject: I work in a hospital billing department  

Please do not choose this insurance. You will have no copay for hospital bills because you will be paying the entire bill. This is not health insurance but rather a discount plan.

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.

**Means after $1000/day you will owe the entire charge. Trust me you hit 1000/day FAST in a hospital facility.



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.

*After they pay $100 towards ER/UC you will over every penny after that for an ENTIRE YEAR!



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.

*They will pay 500/year then you will again owe every penny.



With the plans being expensive...the benefits do not match the cost of this plan. I think they are taking advantage of people.


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anonymous21321
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PostPosted: Sat Feb 20, 2010 9:17 pm   Post subject:   

I would stay away from Cinergy. I had an accident claim with them that they have denied. My premiums were up to date and they still refused to pay my claim. I just got the letter from the hospital today stating the denial.



I slipped on a step, fell down the stairs and was knocked unconscious;

I was rushed via ambulance to the hospital and had staples put in my head.



I was supposed to have a payout of 5,000 for the accident insurance. I received a letter today from the hospital telling me they denied the claim.



I have to get an attorney now in the hope of getting this resolved.

Liberty
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PostPosted: Mon Apr 19, 2010 8:24 am   Post subject: cinergy health  

PLEASE PLEASE dont fall for this i did.you will pay thousands for dollors worth of coverage.


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fraud
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PostPosted: Mon Apr 19, 2010 9:25 am   Post subject: cinergy health  

PLEASE PLEASE PLEASE dont even consider this trash. they are now doing business under three names.


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fraud
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PostPosted: Sat May 01, 2010 5:26 pm   Post subject: Fraud  

I am looking into this company for insurance fraud. Please let me know if you are still interested in this company and willing to talk about it.


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anonymous2345
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PostPosted: Thu May 06, 2010 3:30 am   Post subject: Cinergy is a scam  

They don't pay their bills. They seem to have an excuse for everything. It seems that nothing is covered other than taking your money. I've payed them over $4000 and they payed 1 of 3 doctor visits. All 3 were less than the $100 max. Mad


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in Texas
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PostPosted: Fri May 07, 2010 1:57 pm   Post subject: What is Cinergy?  

We are committed to helping our customers obtain affordable insurance options at a time when many are facing enormous financial challenges. At Cinergy Health, we work with insurance companies to deliver the type of coverage people need for their personal circumstances and to avoid being uninsured. With either a limited benefit health insurance plan or a short term medical plan, customers can be more prepared for common medical expenses as a result of illness or injury.



We've setup a special phone line to handle all of our online complaints, questions and concerns. Please contact someone from our online support team at 1-866-508-7526.


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Cinergy Health
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PostPosted: Wed Aug 03, 2011 8:35 pm   Post subject: waiting period  

i was wondering if there is a waiting period before you can use the insurance if you need surgery , when you get your insurance


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