• Have no idea. If the premiums are real cheap the coverage will be lacking. That's a good rule. Your state should have a Dept of Insurance that can tell you which companies are viable. I always have gone with Blue Cross and Blue Shield. High premiums but also good coverage.
  • It's a rip off. Their representitives give you fraudulant information making you believe it is Major medical. When you receive the packet you then realize they just stole your 50.00 processing fee by wanting to reject the supplemental insurance it really is.
  • They are a great company and their insurance plans are top of the line. I had a very good experience for my first claim. I will stick with this insurance plan and reap future exemplary benefits and service. People who criticize this company just want something for nothing. The health care system was broken, but Cinergy Health, in my substantiated opinion, has fixed it.
  • Cinergy offers sheduled fee plans. they are limited to specific amounts for any given expense. there are no shortcuts in the health insurance industry. you get what you pay for. find a good agent through a referral and seed an opinion. Cinergy looks a bit overpriced for what they are offering.
  • one of the best sources of information is to call your states dept. of insurance and ask them your question. be sure to ask about the number of complaints filed against them in the state you reside and what their am best rating is.
  • Be careful with these discount plans (including Mega or HealthMarkets). I had one of them. Sure, you can go to ANY doctor, but here's the problem: Diagnostics are not covered. Major medical bills (like hospital) are not covered. I had over $55K in hospital bills after discovering a cancerous lump. They paid NONE of diagnostics, but they had a contract with doctors for PPO discounts. That was it... a Discount Plan. A nurse told me to get a "real" insurance policy, that I really had only a discount plan. By then, it was too late due to pre-existing condition of cancer. Go with a known name like Blue Cross or Aetna
  • I've been reading the Cinergy website and see plain statements about it not being major medical, not a substitute for major medical, and that you shouldn't drop major medical coverage if you have it. The website also makes it clear who the plan is suitable for, and what its coverage limitations are. It looks to me to be a reasonable way to cover the gap of a high deductible plan, or to maintain "credible coverage" between jobs when COBRA is too expensive or someone has a preexisting condition. What's missing from the market is a plan to cover catastrophic events that aren't predictable, ie cancer in someone who's never smoked, needs reconstructive surgery for injuries inflicted in an auto accident. I'd be willing to pay a premium for insurance with reasonable limitations based on MY health and MY quality of health care management. I wouldn't mind insurance coverage that was conditional on how well I was managing my health. Patient record confidentiality is only an issue if the patient is unwilling to share information, and it isn't that hard to deduce health issues from the quantity and dosage of prescriptions a doctor orders. There's no excuse today for using actuarial data that doesn't consider people with chronic disorders who scrupulously observe current medical best practices as a separate class. As a blatant example, you have to wonder how state insurance commissions can allow insurance companies to exclude everyone who has been diagnosed with type 1 diabetes regardless of their level of control, while they are willing to cover overweight type 2 diabetics who are more likely to have severe complications. Hopefully some insurance company with modern CRM and analysis systems will step up and offer strictly catastrophic coverage with rational exclusions as a rider, before Congress decides that its cheaper to nationalize medicine in the US than to absorb the consequences of the lack of decent medical care before Medicare coverage kicks in.
  • Read about them here: Not good then and not good now.
  • I know the CEO of the company and I will call him to make sure something is done about these complaints. Keep in mind, as always, there are two sides to a story, but I think a person is entitled to a full refund if he or she is not satisfied. I would suggest asking for a refund and if the request is refused then definitely complain.
  • Has anyone yet discovered a good insurance company in the corrupt minefield called healthcare?

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