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 Posted: Thu Jun 18, 2009 11:57 am Post subject: |
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| Quote: | | I cancelled when I found out from the insurance commissioner's office in my state that Cinergy wasn't worth anything. |
Did you come across any relevant information pertaining to settlements associated with Cinergy?
| Quote: | | But luckly I got my money back. |
Who did you get this reimbursement from?
Steven |
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steven
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Joined: 02 Feb 2006
Posts: 1020
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| Posted: Wed Jun 24, 2009 8:26 pm Post subject: |
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There's only 1 reason to get a Cinergy plan, and it's not the crappy coverage.
Let's say you have the plan for a year, and you paid $250 per month, for a total cost of $3000. Normally, it's not a good deal to pay $3000 for crap. However, Cinergy is recognized by the law to provide "creditable coverage." That means that the law - federal law, plus the State law - requires that a real insurance company SUBTRACT the 12 months you had continuous coverage with Cinergy, from the period of time a real insurance company is permitted to exclude coverage for a pre-existing condition.
Insurance companies typically exclude treatment for pre-existing conditions for the 1st 12 months of coverage. So you can completely wipe out this exclusion if you had a year's worth of coverage with Cinergy. (This example assumes you only get a terrible health condition after 12 months; if you get it after, e.g., 5 months, then the new insurance company can exclude coverage for the remaining 7 months.)
Think of it "pre-existing condition insurance." A payment of $3000 over the course of year could be worth a million or more for treatment of cancer, transplants, etc. with an insurance plan that has robust doctor, hospitalization, and drug coverage.
But if can afford better insurance than Cinergy, get it, as it will give you "creditable coverage" too.
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Brian77
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| Posted: Thu Jun 25, 2009 5:02 am Post subject: |
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I had signed up for Cinergy health insurance but when I made a claim to pay for my doctor's visit, they asked me to fax the bill to them. I tried to send them the bill but the fax numbers they have provided doesn't seem to work. They won't take my call properly too. I am very disappointed with them. I don't think they can be trusted.
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Betty
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| Posted: Thu Jun 25, 2009 6:53 am Post subject: |
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They don't have any accreditation do they? I didn't find anything on their site. They have a license but there was no accreditation. I doubt if it is reliable?
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Monster
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| Posted: Thu Jun 25, 2009 8:34 am Post subject: |
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Hi Betty,
Cinergy in its site has displayed the following fax number
Fax: (305) 792-9669
Have you tried contacting in it?
If the people at Cinergy aren't returning your calls you may try to get in touch with the agent who has sold you the plan. He/she may be able to guide you in the right direction. |
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jeorge
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Joined: 07 Oct 2005
Posts: 757
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| Posted: Tue Jun 30, 2009 1:59 pm Post subject: insu |
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need a phone number to call about cinergy ins.
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judy teal
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| Posted: Tue Jun 30, 2009 5:27 pm Post subject: |
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Member Services: (800) 847-1148
Health Insurance Plan Sales: (800) 847-9151
Local Telephone: (305) 792-9996
Fax: (305) 792-9669
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anonymouse
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| Posted: Thu Jul 02, 2009 12:56 pm Post subject: |
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I was hospitalized last year with a severe condition. I had never been diagnosed with this problem nor had I ever been treated for this condition prior. I have not been in the hospital for 18 years, since the birth of my last child. NOW...I am in collections because Cinergy will not pay one bit of my $17,000.00 hospital bill. They are claming it is pre-existing? When I was laying up in the hospital bed for a week, running a fever and thinking I was going to die, I would of never thought I would be up against this enormous bill today. When Cinergy was contacted during my admission, they said everything was fine and that I had good coverage. This is placing me, a single mom into a huge financial burden. I get about 12 calls a day from collections. Cinergy sells you a song and a dance to join. They state they will pay $1,000.00/day for the first 30 days. It never crossed my mind while in the hospital that this WOULD NOT be coming back to bite me months later. When I try to call them to resolve this mess, I leave my name and number and NOBODY has yet to call me back in months. They will answer if you push the button to join, but they are no where to be found when you need your questions answered. I am very disappointed with this "so called" Company and I cannot wait to get out. THINK TWICE about obtaining them...they are not what they crack up to be...I am in the process in communicating with the Better Business B. and my local Congressman. With all the money I pay monthly for this coverage, they now have ruined my good standing credit because of this. Thanks alot CINERGY! What is wrong with our Healthcare System in the United States of America? Shame..Shame..Shame 
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Debbie S.
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| Posted: Thu Jul 02, 2009 1:04 pm Post subject: |
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Dear Debbie S:
GOOD LUCK!!!! Cinergy should be reported as a SCAM! I too had a similar situation and I had to pay thousands of dollars to a Lawyer to resolve my issues with Cinergy. You can do the same. It is unfortunate that these Insurance Companies can scandal us U.S. Citizens who are tax paying, hard working citizens in this Country. I was laid off my job and loss my Health Ins and saw the Cinergy add on TV. YES, they sell you a song and dance and you think, GOD forbid, you do need medical coverage, that they would protect you...THEY DO NOT! Keep fighting your issues Debbie. YOU WILL EVENTUALLY get reimbursed back like I did! FIGHT FOR YOUR RIGHTS.......
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Michele W.
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| Posted: Thu Jul 02, 2009 8:10 pm Post subject: The 411 on Cinergy HEALTH INSURANCE |
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tv is indeed CREDITABLE HEALTH InSURANCE as dictated by FEDERAL. & STATE LAW.
it is INSURANCE not only is the agency licensed but so is the agents that work their.
Yes it covers pregnancy and it is not excluded even if u r already pregnant.
It is not a major medical it is a LIMITED MEDICAL.
And every insurance company has comPlaints.
LOL blue cross more than most.
If u can afford major medical by all means purchase it.
But if u can not or if u r not a citizen then this is one of your few options.
It is NOT A DISCOUNT PLAN but like all insurance carriers they have negotiated discounts with providers for their members.
PS they have a diabetic supply benefit that reimburses the member 100% of cost for supplies even for the pumps and insulin.
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Informed consumer
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| Posted: Fri Jul 03, 2009 5:15 am Post subject: |
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Debbie, I empathise with you.
Have you checked with the policy document regarding pre-existing condition exclusion? What does it state?
Have you tried contacting the agent who had sold you the policy? He may help you in negotiating the claim with the company.
~Jeremy |
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JeremyHolter
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Joined: 06 Jun 2007
Posts: 1163
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| Posted: Mon Jul 13, 2009 9:21 pm Post subject: Cinergy Health Insurance |
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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."
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anonymous2040
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| Posted: Tue Jul 14, 2009 12:55 am Post subject: cinergy ins. |
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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? 
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NIKKO
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| Posted: Tue Jul 14, 2009 6:12 am Post subject: |
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| Quote: | | 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.
Thanks,
Rupert |
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RupertWBradson
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| Posted: Wed Jul 15, 2009 3:11 pm Post subject: avoiding the calls |
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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. 
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pockets
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