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 Posted: Mon Feb 11, 2008 11:40 pm Post subject: |
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Staw far away from the Cinergy plan.
When you seee:
"Uniquely designed as an alternative to higher-priced major medical plans"
Run away and run away fast.
Same thing with "medical discount plans." See below:
Before you pay any money, ask the company for a list of providers who participate in its plan. Call the providers and ask about the services and discounts they're offering.
If the plan doesn't provide a list of providers promptly, consider taking your business elsewhere.
Investigate the details of any plan carefully. Read the fine print, paying special attention to the refund policy. If a plan doesn't readily provide information and answers before you buy, it isn't likely to be responsive once they have your money.
If your usual medical or dental providers don't participate, see whether other doctors in your area accept the plan and will give you the discount the plan promoters promise. Some legitimate plans offer a “get acquainted” or “initial consultation” visit so you can meet a practitioner who participates in the plan before you commit to becoming a member. |
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OhioHealthInsurance
Preferred member
Joined: 09 Feb 2008
Posts: 158
Location: Midwest
0.43 Dollars($)
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| Posted: Mon Feb 11, 2008 11:58 pm Post subject: |
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| Great advice, you could also ask you local doctors and hospitals for plans that they recommend. |
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goodnatured
Senior member
Joined: 04 Nov 2007
Posts: 1214
0.03 Dollars($)
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| Posted: Sat Jul 18, 2009 3:58 am Post subject: Cinergy health |
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I read a lot of complaints on Cinergy: misquotes, NO follow-through, some have been fighting with them for at least six months. So far I have read very few good reports.
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luckyldy
Guest
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| Posted: Sat Jul 18, 2009 6:38 am Post subject: |
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| Quote: | | I read a lot of complaints on Cinergy: misquotes, NO follow-through, some have been fighting with them for at least six months. So far I have read very few good reports. |
I hope that you have read enough reports to decide in for or against them.
Luckyldy, consumer experiences vary widely and no two person share the same experience with the same insurance company. Therefore, the insurance companies objective would be to minimise the number of dissatisfied customers by improving their services, and IMO any company failing to do so would lose valuable businesses in the long run.
~ Jeremy |
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JeremyHolter
Senior member
Joined: 06 Jun 2007
Posts: 1142
204.75 Dollars($)
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| Posted: Fri Jul 24, 2009 2:11 pm Post subject: |
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This is a medcial reimbursement company much like Aflac and Colonial
their ads are deseptive to say the least they do not offer comprehensive Health Insurance lin the sense of Anthem PHP or Aetna.
Be bvery careful with these types of plan good to supplement your comprehensive plan but not health Insurnace coverage.
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Guest
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| Posted: Sat Jul 25, 2009 5:16 am Post subject: |
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| Hello Guest, you have pointed it out very correctly that plans offered by Cinergy would fail to replace proper health plans offered by the health insurance companies. The plans that Cinergy offers are mainly discount plans and limited benefit health plans but not comprehensive health insurance. |
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simon
Senior member
Joined: 28 Sep 2005
Posts: 525
89.96 Dollars($)
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| Posted: Mon Oct 19, 2009 6:46 pm Post subject: Bad, bad! |
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This is not major medical insurance, and what they do cover is pretty much next to nothing. I know because I've been on this plan for a few months. Some doctors offices haven't even heard of the plan. Every person that I talk to (from the initial sale to customer service now) has a different explanation of what they are and what they cover. A surgery, for example, covers 80% of what Medicare would pay, or so they tell me now. Another thing that is weird is that my insurance salesperson said that there would be 10/20/30/40 prescription plan, and it's really far from it. I'm spending $300 for prescription medications a month rather than the $40ish I used to spend. Nothing seems to follow the 10/20/30/40 plan. And to make things more confusing, the bills processing center is a totally different agency. I was asked by this agency for my certificate of coverage, even though I faxed it to Cinergy as required. Unless you have several hours a week to devote to trying to figure out insurances, I wouldn't do it. I've been trying to get out of this since about when I got in.
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JulieR
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