Cinergy health insurance: Are they reliable?

by lloydwalk » Sat Nov 29, 2008 02:29 pm

Cinergy Health Insurance is a program provided by Cinergy Health Inc. It is a company that provides novel and reasonable health coverage solutions for families or individuals who cannot otherwise afford health insurance. Their low cost health plans that substitute the costly major medical plans are designed to help everyone afford health insurance.

What services do they offer?

With their Cinergy Health Insurance Plan they offer restricted medical assistance plans. In this they provide first dollar coverage for the known and predictable medical assistance people may need quite often. Beginning with doctor's visit to diagnostics, maternity and surgeries, they make arrangements for all within your budget. According to the plan they set up for you, you can even choose your own doctors and hospitals. They do not restrict your choice of doctors and hospitals.

How does the Cinergy health insurance plan work?

With a view to create and deliver affordable health plan options this plan has been designed as an alternative to expensive health care plans. Cinergy health care insurance does not involve a big deductible. Their benefits include:
  • Visits to physicians
  • Stay in hospital
  • Surgeries
  • ICU expenses
  • Benefits in critical care
  • X-rays
  • Diagnostic tests
  • Regular wellness check-ups
  • Precautionary tests
  • Pregnancy or related issues
  • Medical assistance for accidents
  • Emergency room stays
  • Accidental death and dismemberment coverage

Why would anyone choose Cinergy Health Preferred?

Cinergy Health, Inc. allows you to have the freedom to choose the doctor you would like to visit and also the hospital you would like to go to. All of this facility is available at a price that you can afford. In a Cinergy Health Preferred plan, you can even move from a limited medical plan to a major medical plan, you have the liberty to do so.

When are you eligible for a health plan with Cinergy?

If you do not have health insurance because you cannot afford it, Cinergy thinks you may qualify for their program. They have partnered with National Congress of Employers (NCE) and hereby have designed these plans for all working Americans in every state. Everyone is qualified for these plans regardless of medical history or any pre-existing conditions.

Cinergy states that their plans have been designed mainly for those individuals who:
  • Have no access to major health insurance
  • Have little or no means to afford major health insurance
  • Have health insurance plans with very high deductibles and yet very little benefits

What consumers say about Cinergy?

There are mixed reactions from people when it comes to their views on Cinergy Health, Inc. Members of the AmPmInsure Community believe that Cinergy is quite a popular company because of its innovative plan. But, again there are other members too who are not happy with the kind of service Cinergy has provided.

There have been quite a few complaints about Cinergy Health, Inc. Some of them include:
  • Cinergy is said to be inaccessible when their customers need them.
  • They have been accused of keeping the customers' money beyond the agreed term of payment.
  • They make customers pay way more than what they have advertised.
  • They do not pay the entire money spent on a doctor visit. They pay only a fixed amount and nothing beyond that.
Consumers seem to have little faith on the services offered by Cinergy since there is no accreditation mentioned on their website. Some individuals who have paid for their services have been highly disappointed. It also seems that they have provided false numbers and passed them off as official numbers to their customers.

If you want to contact Cinergy, you may use their contact details and if you want to share any of your experiences (good or bad) with Cinergy Health, Inc. do write your opinion in our forum.

Related readings:

Do they pay claims as advertised and what does the state know abouth the company.

Total Comments: 101

Posted: Sat Dec 06, 2008 11:33 am Post Subject: cenergy health insurance

The best way to find about it is by digging into the report of state insurance department. You'll come to know from the website whether or not your residing state recognizes this company, also, whether Cinergy health insurance is licensed to do business in the state or not.

Posted: Mon Dec 08, 2008 07:17 am Post Subject: cinergyhealth insurance

Cinergy health is a known name in the field of health insurance. Cinergy offers affordable limited benefit health plans to people who otherwise may not be able to afford health plans because of financial constraints.

Cinergy plans are low deductible plans covering the costs of basic health care needs, such as

*Physician visits
*Prescription drugs
*X-rays and other pathological tests
*Hospital and nursing home stays, including emergency room visits
*Pre-natal care
*And preventive care

However, I'm not sure whether Cinergy health insurance is licensed to operate in all the fifty states of USA. Hence, you are required to check out their business status in your state before joining their plans. Also, enjoy the privilege of shopping around for better coverage and rates.

Posted: Tue Dec 09, 2008 09:49 am Post Subject: cinergyhealth insurance

Cinergy health is pretty 'popular' amoung the nation. I don't have Medical/Health insurance. Is Cinergyhealth more of a 'sub' insurance?

Posted: Sat Dec 13, 2008 09:25 am Post Subject: cenergy health insurance

Hey Sd, please clarify what do you mean by ‘sub' insurance? As far I know cinergy insurance offers low deductible health insurance plans for people. Also, I've heard that the cinergy health signature program is for people with no health coverage. It allows them to save on their medical expenses and doctors' visits.

Posted: Sun Dec 14, 2008 09:06 am Post Subject: FOUND CINERGY TO SUIET MY NEEDS.


Posted: Thu Dec 25, 2008 06:59 am Post Subject: cenergy health care

Cinergy health insurance is an alternative for people who can't otherwise afford major health insurance coverage. However, one shouldn't confuse Cinergy health policy with the traditional health coverage. The plan offered by Cinergy is a discount plan which would help you in reducing cost on prescription drugs, doctors' visits and hospital stays.

Also, the Cinergy plans are available for people with pre-existing health conditions.


Posted: Wed Dec 31, 2008 10:31 pm Post Subject: cenergy health insurance

I'm not crazy about them. Here's a blog article that hits it on the nose:

system edited-link deactivated

Posted: Fri Jan 16, 2009 04:09 pm Post Subject: check with Florida State Finance Commission

Cinergy insurance was sued and the State of Florida developed a report on their misuse of terms, promises not kept, and a very high roll over. Most people try to cancel in the first 30 days AFTER the company provides the actual agreement. They are NOT an insurance company. They DO NOT provide a "Policy". They say through membership you "could" save money based on agreements they have with providers. They guarantee NOTHING. When you try to contact them to cancel the cinergyhealth coverage you will find it difficult to find them. They have been known to change addresses and will use that as a ploy to keep you money beyond the agreed term of payment and refund.

Posted: Fri Mar 27, 2009 08:40 pm Post Subject: cenergy health insurance

I had Cinergy health insurance for about a year because I could not afford anything else.

The commericals are not truthful. I was paying way more a month then was said on TV. When I would go to my doctor and get teste down, no matter what they were, Cinergy only pays for $200 of your whole bill.

DO NOT sign up with them. It will cost you more money in the end.

Pay the extra money by signing with Blue Cross Blue Shield or any other medical insuance. Believe me in the end it will cost you a lot less out of pocket.

Posted: Sat Mar 28, 2009 12:31 am Post Subject: cinergyhealth insurance

Read the fine print on their website. If you choose to buy after reading it....Good Luck

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