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: Mon Jul 13, 2009 09:21 pm Post Subject: Cinergy Health Insurance

I looked it up on the Illinois Insurance Commissioner's website, and Cinergy is listed as "currently registered to conduct business in Illinois as a Preferred Provider Program Administrator (PPA). Illinois registered PPAs are also able to market health care services on a discount-only basis."

Posted: Tue Jul 14, 2009 12:55 am Post Subject: cinergy ins.

I made the first phone call and I knew this wasn't an insurance company but a marketing firm. They have called me on a average of 8 times a day. Thank God I gave my cell number not my land line number. How can I get them to stop without answering the phone. The number that comes up on my caller ID is 305-792-9996. Can someone help me? :evil:

Posted: Tue Jul 14, 2009 06:12 am Post Subject:

How can I get them to stop without answering the phone.

Well, keep avoiding their calls. They'll tire and eventually would stop calling.

However, IMO you better receive one more call from them and ask them to put you in their 'Do Not Call' list. It'd stop them from calling you. Else you can also let them know that you are not interested in their services and would appreciate if they quit calling.

Hope I was able to help.


Posted: Wed Jul 15, 2009 03:11 pm Post Subject: avoiding the calls

On Monday the 13th they called 10 time. I finally called my carrier and had the number blocked. Maybe they will take the hint now. :lol:

Posted: Thu Jul 16, 2009 03:47 am Post Subject: Cinergy Insurance the "Disabled" and the "Rea

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 ).

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,


Posted: Tue Jul 21, 2009 04:23 pm Post Subject:

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

Posted: Wed Jul 22, 2009 03:55 am Post Subject:

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.

Posted: Wed Jul 22, 2009 12:30 pm Post Subject: health insurance replacement

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

Posted: Thu Jul 23, 2009 11:18 am Post Subject:

Is it an individual plan or group plan? Have you tried shopping around for better rates?

Posted: Sat Jul 25, 2009 12:24 pm Post Subject:

Hi Anti,

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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