Cinergy Health review: are they legitimate 109

Beware of this company. They do not pay claims. The now have 2K outstanding to me and keep providing excuses instead of payment. It's amazing companies can continue to swindle the American public as our politicians turn a blind eye.

My wife signed up with Cinergy. She only made 1 claim in 6 months and they have never paid it even though 5 months have passed and all we get is promises! The claim only amounts to $100 and if they will not pay that amount think about having a major claim? This is a bad company to deal with, we are sorry we got involvewd with them.

Richard

DO NOT BY ANY MEANS SIGN UP! I have had Cinergy Health sine 04/09 and when I finally sent in 2 claims in Nov.09 they said I wasn't covered because I didn't send in the right paperwork! How did I get my card and acceptance letter then?!?! They took $241./mo. for 8 months and didn't say a word, then when I filed a claim they play dumb and say "oh by the way" BS!
I am boiling mad now that I didn't do my research! Please do not sucker into this scam. I am now out $2500.00 from the policy and another $1250.00 from unpaid claims. I have filed complaints with the PA insurance board and am waiting to hear back.

CINERGY HEALTH NO WAY!

I am so angry right now We have had cinergy since 1/09 just after my husband was laid off. At first we thought that it was a great deal. We were so wrong! It wasn't until Nov they had denied a claim for an emergency room visit. Then my husband had a stroke on Dec 30 we now have over $20, 000 in bills and they are denying everything. We are not sure what to do from this point on. Do we have a case against them? Where do we go to find out? What can we do?

I am not happy with this bunch either! I just received a statement from them regarding a Pre existing" condition that does not and has not ever existed! It appears that this a way to avoid paying. They are a scam as far as I am concerned. It was more than 6 months ago that the claim was fifled, and insurance was not cheap. It has been so long now I receive bills from the provider and they want the money NOW! This phoney company is/are SCAMMERS, which I have learned first hand. After I lost my job and had no insurance, I qualified for Cinergy and now I know why, they took money from bank account ACH every month, and still didn't have insurance. What is the insurance industry coming to any way, DUH? ? ?

WARNING:: DO NOT DO BUSINESS WITH THESSE CRIMINALS, THEY WILL STICK IT TO YOU AND NEVER PAY FOR A THING, EVER! NKW

Hi K Edgar, Thank you for your feedback. I'm sorry that you've had a hard time. We're trying to make an engaged effort to tackle all of these tough problems and we are working with our insurance company partners to improve their procedures. So we've setup a special number you can call to reach somebody on our team. Call [protected] so we can get you back on your feet. Thank you for the chance to help you.

We're sorry to hear that some of you have experienced a problem with the insurance you purchased through the Cinergy Health & Life Agency. 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 [protected].

I'm sorry to hear you've experienced a problem with the insurance you purchased through the Cinergy Health & Life Agency. 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 [protected].

I have attempted since December 2009 to get reimbursed on a claim submitted the 7th of December, with January and February now in their court and $567 out of my pocket and still waiting for reimbursement. All the claims have been sent via fax and they continue to state they haven't received the claims.

I contacted the claims dept on April 9th still stating they haven't received the claims resend them and I was finally able to get another fax number. The I was told to call back in 10 days on April 26th I finally had a Rep say that they had received a fax on the 20th of April but couldn't tell me anything about them because they handle all diabetic claims manually and until the claims are processed it wouldn't be able to help me anymore, please call back in 10 days.

On May 4th I called again to check on the claims. Claims Rep JC tells me that they hadn't been entered into the system and has to be done manually so I need to give them another 2 weeks. I told him that $566 was a lot of money they owed me and he was direct in saying that they hadn't been entered into the system and there was nothing else he could do to help me. Grrrrr

May 26th I called again Claims Rep tells me that the claims hadn't been entered into the system and processed completly and until they are processed completly she wouldn't be able to help me. I asked her if there is any time frame that she might be able to give me when they would be done - she told me that many diabetic claims come in daily and that she couldn't do anything until the claims were manually entered into the system and processed completly to call again in 10 days.

At this point I am drafting a letter to the insurance commission. Enough is certainly enough.

Hi Felicity,

Thank you for your feedback. I'm sorry that you've had a hard time. We're trying to make an engaged effort to tackle all of these types of issues and we're working with our insurance company partners to improve their procedures too.

So we've setup a special number you can call to reach somebody on our team. Call [protected] so we can get you back on your feet. Thank you for the chance to help you.

All health insurance companies are worse than the next one Cinergy, Blue Cross Blue Shield, Assurant, etc. are all the same. They prey on the sickly and hope they get sicker. Now Blue Cross is offering a scam insurance for $30 dollars a month called Go Blue. What I don't understand is why do laws have to be passed in order to have health insurance companies conduct business above board. Heath insurance companies essentially run a ponzi scheme like Burne Madoff. They take your money for years, and as soon as you have a health issue all the sudden it is not covered. If you have a pre-existing condition and try to obtain health insurance with any company good luck. You have a better chance of getting a seat on the next space mission to the moon.

Take a look at bcbssucks.blogspot.com. It is a very informative site which examines the perils of the filthy corrupt health insurance system.

I have called. Here it is, six months after the fact. You paid $72 on a $450.00 anesthesia bill in April for the above mentioned surgery. I have filed a complaint with Florida's BBB, but noticed Cinergy no longer qualifies for membership.

What about payment to my doctor, since you've already denied the facility charges. Like who gets surgery done outside a medical facility anyway? The facility charge was the most expensive part of my medical bills, but you haven't even paid a cent to the doctor for his services...

Thank you for your feedback.

We're trying to make an engaged effort to handle all of these types of problems and we're working with our insurance company partners to improve their procedures.

Please call our online complaint team again - [protected].

Cinergy Health provides affordable health insurance options so that people around the country don't have to be uninsured. We understand that health insurance and healthcare reform can be complicated and confusing. At Cinergy Health we partner with insurance companies to deliver unique insurance solutions to help cover the cost of medical care.

I too had cinergy insurance. I went into the hospital for 3 days. they did pay the $3000 ($1ooo per day) but it costs alot more per day than $1000. Also they do not tell you that they DO NOT PAY FOR IN HOSPITAL DOCTOR VISITS. Also they do not pay on lab fees. So I am stuck with hospital, doctor &lab fee bills. And I was informed that my coveraged was over for that time period.

AVOID CINERGY LIKE THE PLAGUE THEY ARE.
THEY CHANGE THEIR ADDRESS CONSTANTLY.
NEVER ISSUE CLAIM FORMS. AND DON'T HAVE THEM OPNLINE. RED FLAG #1
LIE THRU THEIR TEETH SBOUT EVERYTHING.
PAY OUTS FOR ANYTHING ARE NILL.
SIDNEY PHILLIPS

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 [protected].

I have been with Cinergy since Aug. 15, 2009. They have paid most of my claims without too many problems, but those that are in dispute with them have not been resolved, and one is pending since Aug. 29th, which was NOT due to a pre-existing condition, which my doctor has documented multiple times to them. I've received EOBs from them showing that they have paid this, but no one has ever received a check. Now they are coming back to me with the same forms, asking once again that my doctor provide previously provided information. I'm going to be canceling as of the end of this month. They DO provide a certificate of creditable coverage, so that much is valid. However, you can do better for the money that they charge!

Dear P. Taylor,
We're sorry that you've had an issue with your coverage. Please call our online complaints support team at [protected]. We want to walk through your issue over the phone and deal directly with your problem.

Thank you,
Cinergy Health

DO NOT SIGN UP FOR CINERGY HEALTH. Cinergy Health SUCKKKSS! You will only lose your money and be stuck with a billion bills uncovered.
I signed up for my pregnancy till birth for about 7 months. I read EVERYTHING, they told me no co-pays etc. THey told me about 10 times, different people that they cover 80 % of the delivery. I rung numerous times to confirm. They even told my doctors that they will cover 80% of the bill. None of my doctors, clinics, labs. had heard of this coverage.
At the end of it all-
They covered 80% of only the "delivery" portion of the bill. Not the inhospital checkin stuff, the labor, none of the pain killers, or afterwards. So i received a $10, 000 bill, and they covered about $2, 000. I was left with $8, 000 to pay. They don't cover epidurals, which was another $2500 added. They only covered $150 of my checkups which averaged $300/visit. And they only covered 5 of those visits. So i had about another 10 to pay myself. They didn't cover any of the lab or clinical work, which came out to around $1500.
FORTUNATELY, i was able to get covered under a proper insurance 3 weeks before i gave birth, but i still had to pay most of the lab work and check ups.

As for the customer service they are TERRIBLE. Their was probably one guy who was alright, but the rest were rude, impatient. One time the lady sounded tired and i could hear her chatting with another worker in the background. They never answered anything clearly, and just kept repeating what you already know from the website- which isn't specific either. The claims are the WORST! It took them about 7-8 months to finally repay the first claim. So by then the hospital was pretty much billing me. I rung them so many times, and sent the same claim forms again and again photocopying them. After 1 year i kept receiving these slips that pretty much showed me how much they didn't cover, and how much i was gonna have to pay. It was frustrating receiving hundreds of forms in the mail, about 30 of them a duplicate of one already received. When i finally went to cancel, the guy was extremely rude, demanding why i was quitting, and just hanging up on me when i wasn't finished asking questions.

So please, take my advice and steer clear! A painful lesson for me to learn, never ever trust these small unfamiliar plans!

We are sorry that you've experienced a problem with the insurance purchased through Cinergy Health & Life Agency. We are committed to helping our customers obtain affordable insurance options.

At Cinergy Health, we work with insurance companies to deliver coverage to people, which can include a limited benefit health insurance plan or a short term medical plan. Our plans allow customers to be more prepared for common medical expenses.

Again, we are sorry that you've had a hard time. We are working with our insurance company partners to improve their procedures. In the mean time, please call our online support team at [protected].

Whatever you do, DON'T get insurance from Cinergy, can't be put any other way just DON'T. Believe me you will get absolutely nothing in return except aggravation and most probably an empty wallet. When will people learn: do business with legitimate companies and do your homework before you give a company your hard-earned money!

Deb,
We're sorry that you've had a problem - please call our online support team at [protected]. As we stated above and many times before, we are working with our insurance company partners on an ongoing basis to make sure they're improving their procedures. We want to make sure our customers can obtain affordable insurance options.

We hope that you will call us, so that we can discuss your problem, thank you.

-Cinergy Health Team

Ever since inurance started online there are a lot of people who telemarket for policies. I am an actual licensed agent who works with all of the major carriers in Ohio and get angry people who have a bad taste in their mouth from fast talking telemarketers who try and push them in to plans quickly. This will be changing soon because with the reform those marketing rooms won't be able to make a profit anymore.For people with preexisting conditions go to your state's department of insurance site and you will find information on guaranteed issue plans and the high risk pools. Those plans are headed up by major carriers with good standings. That is much safer than limited policies or companies like Cynergy. A real agent you want to work with will take time with you and be willing to help you in choosing a good plan, not throw one out and see if you will take it then get mad if you don't. The telemarketers in this industry give good phone agents a difficult time making up for their mistakes.

Did you *REALLY* think you could get full, high quality, medical insurance for $75 per month?
If it sounds too good to be true... just avoid them.

Why doesn't the Attorney General prosecute companies like this?

I SIGNED UP AT CINERGY.GETYOURFREEQUOTES.COM. BIG MISTAKE! THEY SELL YOUR INFORMATION TO EVERY INSURANCE COMPANY IN THE US AND YOU WILL GET CALLS EVERY 5 MINUTES! PLEASE BE WARNED AND DO NOT LIST YOUR NUMBER ON THESE SITES. IN ONE DAY, I RECEIVED OVER 12 PHONE CALLS! AND THEY ARE STILL CALLING TODAY. 3 PHONE CALLS SINCE 9AM. THIS IS RIDICULOUS.

I have this insurance and I have had not problem with them. I did medical billing for a living so I knew what I was getting into when I signed up. They have paid what they said they would. The first time I had to use this insurance is when my daughter broke both of her arms. My ER visit I paid $125 out of pocket and ortho I paid $200. Reg insurance you would pay a least $100 copay for ER plus 20% of bill and ortho you would pay a copay and deduc. For people with pre ex conditions, this insurance is great.

I was a customer of Cinergy health and I recently canceled my plan so imagine my shock when I received a call from my doctors ofice that saying that I have an outstanding bill fron April 2011. Which at the time I was stil a customer, before I even got the plan I was told that all doctors visits and testing were covered after a certain period. I did not have a problem with that so when i went to my doctors office and they contacted Cinergy and was told that I would not be covered until after April 18, 2011 I rescheduled my appointment. Now when I get to call in October and I call Cinergy clam they statrt telling me that since this look like a preexisting condition that unless I had insurance 6 days before I started with them or have been on the plan for 1 year I am not covered. The claims person that i spoke with tried to tell me that they do not give approval. Well unless the nurse that call this in to them was carzy or senile then I must be to because I stood there and listen to her speaking with a rep in the company. Now I really know what Cinergy is and it is called a rip off. They would be that last company that I would ever go to or recommend to any one. If for some reason that someone is considering them dont is all I can say save you money for Insurance that is real and that will cover you.