Does Cinergy Health Insurance cover pre-existing conditions

by 33jah » Sat Sep 05, 2009 03:59 pm
Posts: 1
Joined: 05 Sep 2009

Please get back to me regarding pre-existing coverage...

Total Comments: 19

Posted: Mon Sep 07, 2009 12:15 pm Post Subject:

No private health carrier that I'm aware of would cover a pre-existing condition..

Posted: Mon Sep 07, 2009 02:16 pm Post Subject: Pre existing

I always heard that when you take out health coverage ,for a preiod of time they will not cover any pre existing conditions.After this amount of time ,whatever it is,then they will cover it. Is that not the way it is?If you have a condition are you saying no provider covers a pre existing condition ever?

Posted: Mon Sep 07, 2009 02:18 pm Post Subject: Cinergy health coverage

I think this is the one I see advertised on tv a lot. Sounds to good to be true.I also hear if it sounds to good to be true it usually is. I have heard nothing but bad stuff about Cinergy Health coverage.Is there anyone who can tell me from experience if this is a good insurance to have?

Posted: Wed Sep 09, 2009 03:44 am Post Subject:

Cinergy is a bunch of junk. Just wait until you need expensive prescriptions or have a visit to the hospital and see how much they'll pay....they are not real major medical insurance and you should never drop a major medical policy to buy this type of coverage.

There are plenty of companies that will cover pre-existing conditions, but they all have different underwriting. Blue Cross/Blue Shield, Humana, Aetna, Assurant, etc. Just depends on the condition and if you have prior coverage.

Posted: Sat Sep 12, 2009 08:26 pm Post Subject:

The ad on tv says for a cheap price(very affordable) They pay 100% of surgery and lots of other benifits. If that is all a lie why hasn't someone already brought them up on charges of fraud?

Posted: Sat Sep 12, 2009 08:27 pm Post Subject:

So in summary ,there are insurance companies who do cover pre existing coditions after a period of time?But maybe not all policys.

Posted: Sat Sep 12, 2009 08:40 pm Post Subject:

Get a copy of the policy benefits and tell me how much they actually cover.....I'd put $100 on it that there is a 100% surgery payment up to about $1,000, then you have to cover the rest. Try asking them how much of a quadruple bypass surgery they would pay for.

Posted: Sun Sep 13, 2009 05:20 pm Post Subject:

I take it you had this coverage? So they are only lieing on the tv ad? Someone should expose them.They should not be showing ads like that if they aren't true.Especially on tv.

Posted: Sun Sep 13, 2009 05:51 pm Post Subject:

No, I haven't had the coverage. I sell insurance. Their plans are junk. They are not "lying" flat out but rather using clever wording to make it sound like full coverage. It's not, I promise. Move on.

Posted: Mon Sep 14, 2009 02:28 pm Post Subject:

Thanks for clearing that up. I will disregard their commercials from now on. If anyone asks me I will be sure to tell them that they are cleverly worded ads that sell junk at reasonabe prices.

Add your comment

Image CAPTCHA
Enter the characters shown in the image.