Cinergy Health review: are they legitimate 109

Networks advertising false claims by anyone, insurance, vitamins, weight loss, get a bigger thing, etc., they should heavily fined for not ensuring these scammers are legit.

I was looking at their site online, haven't even finished page 1 and my phone was ringing it was them. I told them I'd think about it, over the next few days they were calling constantly. One day they called 21 times in about 5 hours. So I finally answered and told them if you are that desperate I would not do business with them. So I took Zoey's advice and went to www.myinsuranceexpert.com. They too called before I completed my info but they were wonderful I dealt with Kris D'anna, he was very professional and courteous. He is trying to place me with Aetna. I hope it goes through. And the cost is womderful. He stated if they do not accept me he has several other ideas in mind. Very helpful people. And it's free and their well knowledged based about many many different insurance companies.

I'm Bipolar and I need some type of insurance to get my medication prescribed to me. Per month cost of prescription is just over 200$. It costs me 241$ a month for this coverage which is taken out of my checking account automatically. I called to switch to papered billing and the representative said they do not offer that option which threw up a red flag. I have set up an appointment with someone to prescribe me the meds and they say that with this plan I am covered for up to 20 visits a year and the initial consultation will be 100$ and after that I will not pay anything unless I go over a 15 minute time frame for an office visit at which point I would owe 10$ for each additional 15 minutes. I haven't gotten a prescription with this coverage yet but from what I was told over the phone by Cinergy, my prescription would cost me around 100$ So when it's all said and done I will spend around 350$ a month for medical coverage and therapy as well as discounted dental benefits. I have had this coverage for a couple of months now and I will post my experiences with them here as they occur.

I'm a licensed health insurance agent. Cinergy is not a medical insurance plan. Cinergy states right on its website "It is NOT Major Medical Insurance and is not meant to replace catastrophic health insurance or major medical coverage." This seems more like an indemnity plan with a few extras thrown in. Indemnity plans pay a preset amount for certain illnesses/accidents or hospital stays. For instance, Cinergy's website says that it covers 100% of hospital intensive care up to $1000 per day. What that means is if your care costs $1500 per day, you pay $500 out of your pocket. The maternity benefit they give is based on 80% of the Medicare global maternity rate (which is somewhere between $1500 to $2400) and then $1000 per day. Again, if your stay costs more than that, YOU pay for it. Use the following link for Medicare's global fee schedule http://www.cms.hhs.gov/ My advice is don't buy something as important as health insurance online. Also, educate yourself about health insurance and the industry. So many health insurance policies have major loopholes in them to keep from paying you benefits. READ YOUR POLICY! And if you don't understand something - ASK QUESTIONS! Most of all, contact a licensed agent who will be there whenever you have a problem. You don't want someone who'll just take your money and leave you hanging.

I have a friend who will be loosing his insurance, and he is closing his business. I went to Cnergy for possible help. And thanks to all of you, I will not recommend them. I sent them an email and will follow up with the Attorney General and the insurance association. I will keep searching to help him.
I did find something that might help you, at least if you need medicine. You might want to contact https://www.pparx.org/ to help you with your drugs. Let me know if it works for you.

Dieter Brunner
www.loantactics.com

Well, I always wondered why all the people that do product reviews have so much time on their hands and who cares anyway? But, now I know, and am very grateful to all of you who take the time to post and saved me a probably many others a minimum of $50 and probably several hundred. Thanks for participating.

Well I went to my first appointment for my medication for Bipolar Disorder and under Cinergy's plan I have to pay 150$ for the initial visit then 10$ per 15 min. which is different than the 0$ for the first 15min. and 10$ each 15min thereafter I was originally told. Then I went to the pharmacy at WalMart which is the top one they recommend and they told me the cost of my perscription without insurance is 252.84$ and the cost for me with Cinergy is 225$ but when I talk to someone on the phone about it they told me it would be 125$! They then said that I should use a mail order pharmacy of theirs if I get at least a 60 day supply and it would cost less. I have yet to call them about this as I am looking for something else for coverage.

I have Cinergy and they have been great.
I pay 241.00 a month, all my doctors appts are free, my endocrinologist takes it. Its not the best for prescriptions - but I took the prescription book to the doctors when she was prescribing and got one in the book that was covered. I have had good experience with Cinergy. Sorry to burst your bubbles...but they've even sent me checks for over payment...

"Well, I always wondered why all the people that do product reviews have so much time on their hands and who cares anyway? "

Exactamundo, we're here until you need us. We the people. United we stand. Keep the internet FREE!

I have also used Cinergy Health and THEY ARE HORRIBLE! I paid over 300 dollars a month because I couldn't get insurance because I was already pregnant. I paid this for 7 months and they paid a TOTAL of ONE HUNDRED DOLLARS toward my $10, 000 bill. They told me they would pay 80% of a delivery. I delivered in January and here it is JUNE and they are STILL giving me the run around! I hope anyone that is considering Cinergy Health reads all of these reviews FIRST!

I called to cancel today and was hung up on by the cancellation guy because after verifying who I was he stated that I had to send them a letter in writing stating why I wanted to cancel it, at which point I was upset because that just takes more time and I said a couple of swear words to which he replied that I should call back when I'm not upset and he hung up on me. I called back and the woman I eventually talked to tried to get me to stick with them and change my coverage with them to which I said, "No, you guys lied to me and I don't trust you". I was also told by two people at the company that this was legitimate insurance. In my written letter I stated that people that take advantage of those of us who need insurance should burn in hell :D My 2 cents= Stay away from these liars! I guess I will be going with BCBS (248$ a month) but they wont cover outpatient mental health therapy so it looks like I will be needing my family physician to prescribe me medicine.

i too contacted cinergy for insurance and could not get any info from them except wanting $50. application fee and $241. payment every time i asked a question the rep. would star talking about the application never answering my Question after about 5 mins. he told me i was wasting his time and if i wanted the insurance give him my credit card info for the insurance.when i refused to give him the info he hung up, but has been calling back for 2 days now, i just don't answer my phone for fear of what i might tell them and it wouldn't be nice. bottom line please DO NOT DO BUSINESS WITH CINERGY THEY ARE A SCAM AND A RIPOFF.

i checked with the better business association and cinergy is not listed ANYWHERE in any state with the BBB. beware they are scammers.

ALWAYS-ALWAYS check out any product or service advertised on TV. TV stations do not check out their advertisers and disclaim any claims they make. ALWAYS-ALWAYS Google the ads for complaints and scams on all products and services no matter how good they sound. The only way to be a wise buyer is to do your homework first. It only takes a few minutes to save a lot of money and grief. In an economy like this, there are more and more "snake oil salesman" then ever before. Until our state or federal government pass laws to stop it, the TV stations will continue to coin millions from "felony" advertisements.

Anyone who is looking to do any type of business or purchases please do not use any companies located in the state of Florida. I lived there for 25 yrs. and had my own business for 5 yrs. I was looked at crossed eyed by other companies because I tried to do the correct thing. Anyone located in Florida is a scam or so under funded from the economy crash and realstate crash that they think its thier right to lie and scam. It is a horrible state to do business in, vacation no prob. but stay away from purchases.

Mary, Chgo, IL

I to looked into Cinergy. When I asked for a copy of the policy they told me No not without $241.00 and a $50.00 fee. And I told them you aren't getting a dime from me until I read the fine print. They said No money first. I hung up on them and they have called me 6 times a day for going on two week know. But I didn't give them my land line number I gave them my cell number. So, I just don't answer them phone if it is Cinergy cause it's the same number all the time. People stay away for these people.

I just went online to apply for cinergy, no sooner i submitted, I recieved a phone call. That was a warning for me. I am not the type to be pressured. I too am on cobra, and will be dropped in October and at the age of 51 I am still to young for medicaid/medicare and with a past history of medical problems I am finding it a problem to even get medical insurance. I questioned this man from cinergy thouroughly, and got a run around answere. I hung up with him and found this site. My decision is made, and I will send a complaint to the insurance commisioner office.

I to was drawn in by the promises of what sounded like great coverage via commercials in SW Florida. I called and talked to a fast talking man who only repeated the great value of the $241.00 policy. I voiced my concerns over the “sounds to good to be true” feeling and I like many others was asked if I had visited their website. My response to this was in no way does a website give you the credit you need to be a qualified and legitimate insurance provider. Again I got the great value speech and how the agent’s wife was in the same boat (as me). After reading all your posts I'm beginning to agree that Cinergy Health is a big scam and I will continue to pay my high insurance w/ my SUPER HIGH deductibles and like most others avoid my necessary doctors visits and the surgery my doctor is urging me to have...for now. Thanks for the information everyone...I'm glad I researched further than just Cinergy's website!

It's not unusual for a company to post positive comments about themselves on board like this one. Here in Vegas, vendors rate themselves with 5 stars and talk about their businesses in a favorable way - but the review section is supposed to be used by customers.

My suspicion is that most of the positive comments are posted by 'friends' of Cinergy health - especially the one with the resumes.

I appreciate the information provided by everyone. I saw their commercials and thought I would check into the company. I ALWAYS check these type things out on the internet before jumping into them. Has saved me a lot of times from making a bad mistake. I currently have health insurance for myself and family with American Community and I would highly recommend then to anyone looking for insurance. My only complaint is that the premiums seem to go up about every 1.5 years on average. I figure this is probably the norm for all health insurance. I just received notice that my premium was going up again in August and that is why I was checking into Cinergy. Sounds like I will keep my good insurance even though the price is going up. Maybe I can purchase "new" insurance with American Community and get my premiums lower. I have done that in the past (you basically purchase a new policy with the same company but are grouped with a new bunch of people and the rates are usually lower-Ask your agent about how to do it). Things are only going to get worse if the government takes over our healthcare! We need tort reform to help get the cost lowered so we can afford insurance. Good luck to everyone.

And no I do not work for American Community Insurance. I have just had a positive relationship with them (other than the premiums going up up up all the time).

I became very suspicious of this group and now feel my thoughts are confirmed. I have since found a great insurance at a very reasonable monthly rate. I am happy to share that information if you email me at rjw1013@yahoo.com. It is nationwide coverage and I have a name/phone number of a representative here in Florida. Thanks

i think thats very horrible how these scam companies are taking advantage of people who are having hard
times and are just trying to find affordable options, there also seems to be enough people to form a class action law suit against this forsaken company, i would seriously consider nailing their @## against the wall

doesn't anyone check with then BBB?

I have a preexisting diagnosis so finding good, normal insurance is impossible. So I keep getting hopeful when I see an ad like Cinergy’s. Then I google them and get more awful truths like these. Thanks for spooking me properly...

The only similar service I can find, one with a local rep, is:

http://www.healthmarkets.com/

They say up front that it’s not typical health insurance, that they only help with payments. I‘m about to try them, unless y’awl say otherwise. Thanks!

For everyone who is complaining about this company, don't forget to read the fine print. remember they are NOT a MAJOR MEDICAL INSURANCE COMPANY. They cover a limited amount of isues and they will tell you this when you call. This is basically like a supplemental insurance, carry it along with your major medical.

Damn! Another hope dashed. I've learned to always look for sites like this BEFORE proceeding with just about anything that involves money. Even customer reviews of products. You find the nicest people.

The last time we were burned, I didn't know to look until it was too late. Condolences to those of you here that were robbed. Blessings on you for taking the time to warn others. Like everyone, the T.V. commercial was like a bright light solution to our fears. I know better but, to my discredit, always maintain a level of denial. But it's true: " If it sounds too good to be true, someone's trying to screw you."

My husband also noted another to look into: ASSURANT INSURANCE. Expect the same will be true of them. Oh my. He needs a $4, 000 test that even his doctor said would be crazy to get without insurance. Well, I guess we'll all keep looking. Maybe Barack will give us a solution. My hopes there are fast fading though.

Good Luck to All. Will report if I find out anything helpful. And Wendy (Patient Advocate), YOU ROCK!

Catherine.

My first clue should have been their (Cinergy) requirement of an automatic debit from my account since they "were not set up to do monthly billings". I'm still waiting for my refund after cancelling with a fax the exact day that I purchased...8/3/2009. I spent an hour speaking, then arguing with the "supervisor" today 8/10/2009 to refund my money since I felt the debit to my account was made under false pretenses. For some reason, the customer service representative I spoke with last week...8/3/2009 and 8/5/2009...who attempted to argue with my reasons to cancel decided not to follow through with refunding my money. I sure am hurting financially right now and sure hope the money is back in my account tomorrow. An earlier blogger mentioned getting together for a class action lawsuit...I'd like to participate if anyone else would like to. My email is jadg6@hotmail.com. I feel foolish for falling into this insurance trap...I usually check for blogs like this but didn't come accross this one when I checked last...I just wanted affordable health insurance for me and my family! America, home of the scam artists...what's happened to my America?

Jenny

does anyone know of a insurance that will take one a customer who had a stroke other than cinergy. we can't find a dr in Sc other than 1 specialist who takes it

As a personal victim of the Cinergy Health Scam, I wish I had seen this screen earlier this year. My experiance is that they will not pay my doctors bills. The presciption coverage is legitamate. The doctor visits have not to date been paid. And those bills are mounting. It seemed like a dream come true, that I could recieve coverage for so little money. The old adage, " if it seems too good to be true it probably is" comes to mind. Meanwhile, I have been put on hold, hung up on, sent to the supervisors supervisor's supervisor, that has a phone that rings for (five ) 5 minutes, to no availe. I'm begining to believe that person does not excist. I am also looking for a new insurance company as we speak. The money I saved is not worth the spanking I'm getting. Aetna might be expensive, but I was never ever put on the wheel of no return. I'm going back as soon as I can afford it. This economy crunch hit hard on my industry. All I can say at this point is HELP! My frustration in trying to deal with these people is driving me crazy. Also, the supervisors are all unable to communicate in english effectively. Nothing against immigrants, my family members were also at some point. It is a fact that they use this to their advantage, few of their supervisors can communicate effectively. I told the same story 12 times, to get nowhere. I must say it feels good to get this off my cheast. I hope it benifits someone. I now know where to look for the truth. Nurse Breakable

I am a licensed insurance agent in Fort Worth, TX and you can imagine how many times I get asked about Cinergy or Homeland HealthCare, etc. The problem with these companies is that they do not fully disclose their benefits and information up front. Check out any 'limited benefit plan" website and try and locate the Outline of Coverage.

My best advice to you is to contact a local, licensed agent. You don't pay them a cent! I can't speak for all 50 states, but in Texas the prices are the same whether you purchase from a company like ehealthinsurance.com, directly from the carrier, or through a small local guy such as myself. Our commission is set by the carriers and built into the pricing. I can also tell you that in TX we are not allowed to rebate any of the commission back to the client as per the TX Dept of Insurance. So...having said that, you will get the same price REGARDLESS of where you buy coverage.

Now, for those of you with pre-existing conditions or any reason why you are being told you cannot get insured by a major carrier; ask about what options you DO have. In Texas we have a TX Health Risk Pool that is expensive because it is guaranteed issue. However, they pay agents a one-time $50 commission, so your agent may not be upfront to tell you about it since he/she has to work to get the app filled out, submitted, etc. all for a one time fee. If that's the case, they aren't going to help you when you need them anyways!

As you are already doing, be sure and do your homework. I noticed a comment earlier about 'portability' after your COBRA. That is not 100% true as in TX these carriers have every right to decline you or add exclusion riders, etc. Keith may have been referencing the State plans as mentioned above. But your best resource is a good agent that can inform you of the options. They cost nothing, and will hopefully be honest with you and let you know what options you do have. While I probably can't help the majority of you in other states, I'll be happy to help you find a reputable agent in your state if you need. Feel free to email russ@gusbates.com.

Insurance is a necessary evil. We have to make the best of what we have or take our chances and go without. Whatever your final choice is, call around and get competitive price quotes on MRI's, drugs, lab work, etc. You'll be amazed that an MRI may be $1, 500 more at a hospital over an outpatient imaging facility. I myself found a $30 savings on the exact same drug when calling 4 pharmacies. If you aren't asking your docs about the $4 generics...do so next time you see them! Good Luck!

New York State
Insurance
Department
New York State seal
NEWS
RELEASE
Contact:
Public Affairs
[protected]
www.ins.state.ny.us

Kermitt J. Brooks Acting Superintendent of Insurance 25 Beaver Street New York, N.Y. 10004
ISSUED: AUGUST 13, 2009 FOR IMMEDIATE RELEASE
GOVERNOR PATERSON TAKES ACTION AGAINST MISLEADING SALES OF LIMITED BENEFIT HEALTH INSURANCE PLANS
Health Insurer Fined $700, 000 for Misleading Sales Practices; Insurance Department Blocks Sale of Limited Benefit Health Plan

* Limited benefit health plans often pay far less than those who buy them expect
* National TV ad squashed
* Broad crackdown on misleading sales practices announced
* Another company suspends sales
* Hearings planned on usefulness

Governor David A. Paterson announced today that New York is cracking down on companies that sell limited benefit health insurance plans in ways that mislead people into believing they have full heath insurance coverage. As a result, the New York State Insurance Department has moved to protect New Yorkers by stopping one company from selling the product in New York and from advertising nationally and is examining the marketing practices of all companies selling this product.

"Many New Yorkers are desperate for affordable health insurance. More than 2.5 million have no coverage, and with tens of thousands losing their jobs, that number is growing. Unfortunately, some businesses are taking advantage of that need to sell limited health insurance in ways that mislead consumers into believing they are getting full coverage. If they get seriously ill, consumers who buy this product can find themselves with huge bills they are unable to pay. New York will not allow disreputable businesses to take advantage of consumers, " Governor Paterson said.

"At Governor Paterson's direction, the Insurance Department has taken a number of steps to protect consumers, " Acting New York State Insurance Superintendent Kermitt J. Brooks said. "Especially in this economic climate, we will not allow consumers to be twice victimized - first by paying for insurance that covers much less than they were told it would, then by having to pay thousands more for the health care that insurance did not cover."

Governor Paterson announced the Department fined one company, American Medical and Life Insurance Company (AMLI), $700, 000 for numerous violations, and imposed new restrictions on the company. The company can no longer sell its limited benefit products in New York, and has been forced to pull its nationwide television commercial. The commercial was the company's main marketing tool.
"We are working to help AMLI customers and we urge anyone who has had a problem to call the Insurance Department so that we can help, " Brooks said, noting that the company is now cooperating with the Department.

Brooks said AMLI agreed to:

* Discontinue all of its limited medical benefit group policies in New York;
* Offer to convert terminated group policies to individual policies upon request;
* Fully cooperate with the Department in resolving customer complaints;
* Retain an independent outside counsel to review its operations and make specific recommendations for changes; and
* Prepare a compliance monitoring plan to ensure compliance with applicable laws and regulations.

Limited benefit health insurance plans normally provide less than comprehensive hospital/medical coverage, but with healthcare bills being the leading cause of personal bankruptcy filings nationally, many consumers searching for affordable coverage buy limited benefit health plans as one way to insure against potential liability. Limited benefit health plans may leave consumers with large medical bills. If injury or illness occurs and an insured files a claim, they may find that they have less coverage than they thought (see Appendix A for comparisons).

A sampling of complaints received by the Insurance Department about AMLI's coverage illustrates this gap:

* A Rochester-area woman purchased health insurance from a telemarketer and agreed to have the $419 a month premiums paid by automatic charges to her credit card. She was provided no written documents spelling out details of the coverage. Soon afterward, she needed hospitalization, which cost nearly $28, 000. It turned out the policy, sold by an agent unlicensed in New York, paid only $1, 164 of the expenses. AMLI paid in full only after the Department intervened.
* A young man suffered a stroke at the age of 36. AMLI paid only $250 toward his medical bills. The insured had to pay a total of $29, 917.04.
* A woman went to the emergency room with stomach pains and a day later received an appendectomy. AMLI paid $1, 416.10, leaving the insured a balance of $19, 437.59.
* After being given misleading coverage information by an agent, a man purchased a limited medical benefit plan from AMLI. He understood, and the information sent to him indicated, that the plan required a $10 co-pay for doctors/specialists (10 covered visits per family member per calendar year) and would pay $25, 000 for hospital inpatient services (100 days maximum per calendar year). Therefore, he was surprised to find that AMLI only paid $39.65 toward an ENT bill for $237.42 and $250.00 toward an inpatient hospital bill for $3092.73. His total medical bills were $4197.79 and AMLI paid $807.29. With regard to the hospital stay, AMLI contended that the insured should have known that a $250 per day limit applied to the $25, 000 limit for hospital inpatient services, since the maximum days were limited to 100. AMLI agreed to pay only after the Department intervened.
* A man bought a limited medical benefit plan issued by AMLI. When he bought the policy, he was told that there would be a $20 co-payment for doctor's visits and a $100 co-payment for emergency room services. He was not made aware of any other limitations on his benefits and never received a Summary Plan description from the carrier. AMLI paid less than he expected for two hospital emergency room visits. The first time, the bill was $1, 720.61 and AMLI paid $150. AMLI denied the second claim for $731 saying the emergency room benefit maximum had been met because it was his third visit to the emergency room that year. Only when he complained to the company was he told that emergency room benefits were limited to a maximum of two visits per policy year and a maximum of $150.00 per visit. After the Insurance Department intervened, the company agreed to pay the remainder of his claim.

The actions against AMLI were triggered by an Insurance Department investigation begun after consumers complained to the Department, Brooks said:

* The Department investigated American Medical and Life Insurance Company after receiving consumer complaints about a limited medical benefit plan sold by the company. The company is licensed to sell this product and other life and health products in 38 states and the District of Columbia.
* The company describes itself as a "virtual" insurance carrier, outsourced all underwriting, sales and marketing and claims handling functions to third parties, and exercised little or no oversight of such functions.
* The investigation revealed that AMLI violated numerous New York insurance law provisions in its sales and marketing of the limited medical benefit plan from the fall of 2006 through the fall of 2008:

o Sold thousands of limited benefit plans to New York residents using unlicensed agents employed by telemarketing firms located in New York and Florida.
o Received approval in New York to use a written policy application form that contained important disclosures about limitations in the coverage, but then conducted its New York sales via Internet and phone without using the approved application form.
o Sold many of its policies as group coverage through an association known as the National Congress of Employers, which the Department determined violated New York law because the association was not formed and maintained for a primary purpose other than selling insurance.
o Conducted a nationwide marketing campaign through an intermediary called Cinergy Health, Inc. that, in violation of New York Insurance Law, created the misleading impression that the limited benefit plan offered major medical or comprehensive coverage.
o The company continued to use the misleading advertising as part of its national marketing campaign, even after the Department had the company stop such marketing in New York.

Governor Paterson announced further Insurance Department action:

* Another insurer has agreed to suspend sales of a similar product nationally while the Insurance Department investigates its marketing practices.
* The Department will consider whether to propose new regulations to guarantee consumers are properly informed about just how restricted limited benefit health insurance plans may be.
* The Department directed insurance companies to provide information to the Department about any limited benefit health plans they sell in New York.
* The State will hold public hearings to determine if the proper course is tighter regulation or banning the product completely.

In addition to the limitations inherent in these policies, marketing and sales practices surrounding them may add to the confusion, Brooks said. Many limited benefit plans are solicited via the Internet and through television commercials. Some of these advertisements imply the policies provide comprehensive or major medical coverage. Exclusions and policy limits are not completely revealed. The sales are completed via the Internet or telephone without the benefit of a written application, circumventing specific disclosures that are required by New York Law. The mandatory disclosures are either not provided, are not prominently displayed or are lost during the sales pitch and thus are ineffective. Investigations have also revealed that some policies are sold through telemarketing firms using unlicensed agents, which is in violation of New York Insurance Law.

"We will hold hearings to look at the larger issues surrounding limited benefit health plans, " Brooks said. "Are they being sold properly? Should they be sold at all? What else can we do to protect New Yorkers? We want to hear what the public thinks about these plans."

Hearings are scheduled for September 21 in New York City, September 24 in Newburgh and September 30 in Rochester. More information on the hearings, including how to testify, is available at the Insurance Department's website at www.ins.state.ny.us.

Consumers with insurance questions or concerns can call the Insurance Department's consumer hotline at [protected]. The hotline is open from 9 a.m. to 4:30 p.m. Monday through Friday. Consumers may also ask questions or file complaints at the Insurance Department's website, www.ins.state.ny.us.
###
APPENDIX A
AVERAGE SERVICE COST/AMLI COVERAGE COMPARISON
Services New York State Average Cost American Medical and Life Insurance: National Congress of Employers Group Plan Coverage

Hospital Room & Board

$5, 516- average daily charge
(*Includes insured & self insured data & excludes Medicare and Medicaid)

$1, 000 / day
(max. 30 days)

Diagnostic Tests-High tech (MRI, PET, CT, etc.)

$1150-$2500 (MRI)
$500-$1250 (CT Scan)
$850-$4200 (PET Scan)
(*www.comparemricost.com and www.americanwellnessandimaging.com)

$100 per day
(max. 3 test days/yr)

Diagnostic Tests-Low tech (x-ray, lab, etc.)

$83-$1, 100 per test

Included in above

Doctor’s Office Visit

$45-$150 (minor problems)
$84-$185 (low to moderate severity)
$130-$250 (moderate to high severity)
$200-$355 (moderate to high severity, more complex)
$373-$550 (moderate to high severity, highly complex)
(* Taken from The Attorney General’s Report “The Consumer Reimbursement System is Code Blue” (2009))

$100 per visit (max. 5 visits/yr)

Link to homepage
Return to 2009 News Index

DO NOT GET Cinergy Health! I am a medical billing specialist and I have never had them process a claim. After seeing this site my fears have been confirmed. I've spent so much time on hold. They tell me that a claim is stuck in processing and that they will make sure it get processed in 7-10 business days - 9 months later the claim is still not processed. I'm at the end of my rope with them. They keep telling me the same thing with no follow through. I call SCAM, Please don't get ripped off!

as a provider of service, I find the customer service claims dept to be very unsatisfactory...you talk to a rep who just says, clm is processing...then to get more details as to why it is taking months to get pymt, they send you to another rep and you just sit on hold ...not good...

If you are seeking this ins. for PREGNANCY coverage, DONT GET THIS SORRY F***ING EXCUSE of a company. We chose them as a desparate attempt to cover pregnancy and they stiffed us with a $33, 885 bill from the hospital (due to an emergency C-section) and they said they would cover only $1000 a day. $4000 TOTAL for our four day stay. We were told over the phone by a shyster, crooked, liar Cinergy employee that the pregnancy would be covered 80% of the total bill plus $1000 per hospital day. Our monthly ins. bill was $241 a month plus a $50 registration fee. We had been paying three months of this crap before her delivery. All was well until we saw they only covered $4000 of the TOTAL bill, which took the total down to $29, 885. I about went ballistic on this crooked company. The hospital billing dept. says unfortunately this is what happens to desparate couples seeking pregnancy ins., and esp. when the insurance carrier is a no-name, small company. So the guy we talked to to sign up for this insurance F***ing LIED TO US. CINERGY HEALTH INSURANCE IS THE ABSOLUTE WORST INSURANCE. I PROMISE YOU FROM PERSONAL EXPERIENCE, PLEASE DON'T GET THIS SORRY FREAKIN INS. I AM ALREADY IN THE PROCESS OF DEFINATELY REPORTING THEM TO THE BETTER BUSINESS BUREAU (BBB). HONESTLY I HAVE NO REASON TO LIE, THEY WILL SCREW YOU AND TAKE YOU TO THE CLEANERS!

I have a friend who has this insurance and she says that the company has treated her well. She was not misled as to what the insurance covers, but I am sure others have been. After I read these complaints, I researched the company and found out that they are pursuing a massive public relations campaign. Part of the problem stems from Cinergy Health not being fully aware of the unethical practices of the company or companies for which Cinergy Health is affiliated with, the "underwriters." I also researched other health insurance companies and found just as many complaints. I am shopping for health insurance and I will make sure to take the fine print and enlarge it to discern whether or not it covers what I need. Part of the blame can be attributed to the hospitals, I mean $33, 885.00 to have a baby, come on!

Diagnosed with severe carpal tunnel. 2 Days before surgery found out Cinergy would not cover any of the associated costs. I could have paid 50% of the hospital bill I now owe rather than throw away money on a useless medical plan. I too was duped into thinking I had some kind of medical coverage through these scam artists. They are paying $0 towards surgery I desperately needed, and I am now stuck with 100% of the bills. I understood it wouldn't pay it all, but believed I had some coverage. $400 a month for nothing...Pitiful company, they need to be brought up on fraud charges in all states...

Southern Oregon...

We paid nearly $500/month for my wife and a daughter to be on Cinergy--thought they'd pay 80% of serious medical claims. After a year of payments in auto debit account they stripped away our maternity benefits (switched to different underwriter") 3 days before we delivered a baby.

We are being stuck with $10, 000+ in maternity bills even though we paid Cinergy 6000 last year. So in essence I'm out $16, 000 for NOTHING!#! Stripping away our maternity benefits right before giving birth is wrong! This is should not be allowed in the United states.

there must be a class action lawsuit out there to seek $$$$ justice.

Who is organizing this? Aren't there aggressive lawyers reading this stories?

you can reach me at jay underscore seville at hotmail.com

Cinergy Health is a FRAUDULENT COMPANY. I just got off the phone with thir "customer service rep" and I am livid, so excuse any typos. they told me that they wold cover existing prgnancyfor my wife. as I have recently returned to the states with my wife, we got pregnant before we had a chance to settle down and find a real insurance provider. Now we are 2 months away from delivery, and without any medical insurance. They explained that what they told me was true at the time they told me they would cover the pregnancy, but that the underwriter chose not to renew the contract, and the new underwriter no longer covers the pregnancy in any way. when I informed them this was unethical, they transfered me to a recorded message, which asked me to try again later.

I believe that there should be a class action law suit filed against this company so that all the people who have been conned out of their hard earned dollars can recoup their losses, and be compensated for the emotional and financial losses incurred because of counting on the insurance that was in fact not there.

I am currently looking into what forms of legal recourse are available, and would appreciate any information available if there are any class action lawsuits pending against this company.

My wife and I got Cinergy health insurance because of the "No pre-existing condition exclusions" advertisement. We are expecting our 3rd child on Dec 30th and just found out that as of Nov 11 that they stopped covering maternity! We deliver by cesarean tomarrow and now we have no coverage. I would like to file a class action law sute...