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Cinergy Health

Cinergy Health review: are they legitimate 109

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10:32 am EST
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I HAVE TRIED TO LOOK UO THE LEGITAMACY OF THEIR COMPANY VIA THE DEPTS. OIF INSURANCE IN FLORIDA AND LOUISIANA . THEY DO APPEAR AS A COMPANY REGISTERED / LICENSED TO DO BUSINESS.

I HAVE ASKED THEIR ( CINERGY HEALTH ) PHONE REPS TO PROVE THEIR VALIDITY AND ALL I AM TOLD IS THAT JUST LOOK UP THEIR WEBSITE: CINERGYHEALTH.COM. I SEE NOTHING THAT PROVES THEY ARE LEGIT.

I AM SEEKING MEDICAL INSURANCE AND "THOUGHT" THEY APPEARED "REAL".

SEEKING SOME CONFIRMATION AS TO WHETHER I SHOUKLD CONDUCT BUSINESS WITH THEM

THANKS

LIONEL COX

Resolved

The complaint has been investigated and resolved to the customer’s satisfaction.

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109 comments
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Nurse Breakable
Jacksonville, US
Aug 28, 2009 12:57 pm EDT

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

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carolinalady1952
Pamplico, US
Aug 27, 2009 7:33 pm EDT

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

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JADG
Bear Lake, US
Aug 10, 2009 9:22 pm EDT

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

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Catherine D.
Sea Girt, US
Aug 08, 2009 8:35 pm EDT

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.

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eastmeets
, US
Aug 07, 2009 2:40 pm EDT

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.

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jefboyardee
Anytown, US
Aug 04, 2009 2:27 pm EDT

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!

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wildman101
Ft Myers, US
Aug 01, 2009 6:36 am EDT

doesn't anyone check with then BBB?

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hate the scam games
Magna, US
Jul 30, 2009 1:57 pm EDT

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

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RWilliamson
Davenport, US
Jul 24, 2009 3:43 pm EDT

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

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madtar
Springfield, US
Jul 24, 2009 12:30 pm EDT

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).

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madtar
Springfield, US
Jul 24, 2009 12:28 pm EDT

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.

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m hopkinson
Las Vegas, US
Jul 20, 2009 3:30 pm EDT

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.

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ColeLes
Bonita Springs, US
Jul 14, 2009 2:14 pm EDT

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!

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Sonya LeBlanc
Carencro, US
Jul 12, 2009 2:27 pm EDT

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.

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nikko
Wayne, US
Jul 12, 2009 2:14 pm EDT

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.

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Hate FL. Busnesses
Concord, US
Jul 09, 2009 4:19 pm EDT

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.

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RJRoizman
, US
Jul 01, 2009 2:38 pm EDT

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.

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amre
, US
Jul 01, 2009 2:16 pm EDT

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

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amre
, US
Jul 01, 2009 2:13 pm EDT

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.

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hopeful1
Brighton, US
Jun 29, 2009 5:19 pm EDT

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.

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Renee Schell
Fallbrook, US
Jun 29, 2009 1:58 pm EDT

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!

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timmyp
, US
Jun 28, 2009 11:11 pm EDT

"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!

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VicVic1961
Kingwood, US
Jun 28, 2009 12:14 am EDT

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...

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hopefull1
, US
Jun 25, 2009 7:06 pm EDT

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.

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JayB143
Camarillo, US
Jun 25, 2009 2:18 pm EDT

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.

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HD Bru
Corona del Mar, US
Jun 24, 2009 9:45 pm EDT

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

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Licensed Insurance Agent
somewhere, US
Jun 19, 2009 11:59 pm EDT

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.

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hopefull1
, US
Jun 19, 2009 5:31 pm EDT

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.

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Cheryl Cook
Chicago, US
Jun 17, 2009 8:32 pm EDT

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.

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reticulata
Milwaukie, US
Jun 14, 2009 11:55 pm EDT

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.

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Rob
Brooklyn, US
Jun 14, 2009 6:17 pm EDT

I just saw a commercial for Cinergy health insurance here in New York. When I went to their website they don't even offer it in NY. Very Odd. So I searched for complaints against this company and found this website. Thank God. Its a shame that there are people out there waiting to prey on the need of something as essential as health insurance.
The solution that I will be waiting for is Universal Health Care. Hopefully they will get something started soon. I wish and hope that people don't believe the negative rhetoric about Universal Care. They want it started so that people have a CHOICE for medical insurance coverage. If you want to keep getting nickeled and dimmed / ripped off - you can keep your private insurance company where there only concern is their profit margin. Nothing will be force on you. Universal care will not be substandard care. We will have access to the same doctors and hospitals as you would through private insurance. Remember majority of doctors were educated here in the U.S. You can get a terrible doctor from private insurance too. Universal Care Insurance will not have the expensive overhead or investors to pay first. That is why it will be more affordable not because they would offer substandard care. SUPPORT UNIVERSAL CARE HEALTH INSURANCE SO THAT WE HAVE A CHOICE.

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Keith
, US
Jun 13, 2009 5:50 pm EDT

I saw the ads for this company and, while expecting it to be a scam, I did some research anyway, and stumbled onto this list. Pretty much what I expected. But for the several folks posting here who need some "bridge" insurance between the end of their COBRA coverage and qualifying for Medicare or SSI, you can contact any insurer (Blue Cross for e.g.) that sells individual health coverage in your state and ask for a "Portability Plan". As part of the original COBRA legislation, any insurer has to offer a Portability Plan to anyone whose COBRA coverage has *expired*, as long as you apply within 30 days of expiry. There are no pre-existing conditions, and you don't have to go through underwriting, so you can't be denied. This is costly (my wife and I - both mid-50's with pre-existing issues - pay $2K/month), because you're in a high risk pool. Companies don't want to sell you that coverage, so they don't volunteer the info if you don't know it exists. Good luck.

Keith

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jg020752
, US
Jun 11, 2009 5:23 pm EDT

It is very unfortunate that the current economic climate opens a market for unethical individuals like Cinergy to operate and MAKE MONEY. It is imperative that our country deal with this type of business. Be Very Cautious.

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Sherrie
Gardnerville, US
Jun 11, 2009 2:15 pm EDT

Thank you so much for posting this information. My family and I are currently covered by a major medical insurance company, the rates are becoming over whelming. We were looking into Cinergy Health. ( saw their ad on TV) I decided to do some back ground work on them, found this site. Thank you so much for sharing all your stories and saving people like me the pain of where you all have already been. I wish someone had been there to help you stear clear of this company too. Sincerely, Sherrie

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Robert Deidrick
Tucson, US
Jun 08, 2009 4:48 pm EDT

Do not do business with this company. They will not refund my payment according to their policy book that shows that I am the one getting ripped off. I am repoting then to the BBB and attorney generals office.

Cinergy is a rip off doing illegal and unethical business over state lines. Time for the FBI.

Bob ...in Arizona.

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Zoey
San Antonio, US
Jun 05, 2009 4:46 pm EDT

Anyone on here, please beware of Cinergy Health - it is NOT real insurance. If you are interested in obtaining some real coverage, please call a legitamate company that works with all the A-rated carriers. Their website is www.myinsuranceexpert.com, and their number is [protected] X 254. Ask for Aurora. Or, you can email to : aurora@myinsuranceexpert.com. She was excellent

There are real, affordable insurance companies out there, Cinergy is NOT one.

Good luck!

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Bob Roizman
, US
Jun 03, 2009 3:39 pm EDT

When will everyone realize that anything sold on TV is either a scam or overpriced junk that charges excessive amounts to cover the cost of these expensive ads. Services advertised on TV are mostly pure rip offs and should not by allowed to advertise, when they are known to be illegal frauds. It is the equivilant of a felony crime that due to the money involved, continues to be allowed on TV. There is no government watchdog to oversee all these criminal activities. ALWAYS check out everything advertised on TV to weed out the crooks and scam artists that pay the networks to steal openly with false advertising. The networks will not give up their enormous profits to screen out these know crooks as long as they can hide behind the laws that allow it to propagate.

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Marie
, US
Jun 01, 2009 12:29 am EDT

I recommend anyone shopping for health insurance use a licensed agent. I followed this advise two years ago after reading it on the internet too. You don't pay for their advise...they are commissioned by legitimate health insurance companies in the state you live. They also can help you understand the application process and help prevent 'denial of insurance' that can cause you to pay more. Both of the folks we contacted represent a number of companies in their state including PPO's and HMO's.

They educate you and normally represent multiple companies so you can compare prices with benefits. They understand their state rules like health questionnaires /point systems, pre-existing conditions and all the ends and outs of the plan. I would NEVER buy health insurance without using a licensed broker. THERE IS NO COST TO YOU!

National Association of Health Underwriters "America's Benefits Specialists"
NAHU represents licensed health insurance agents, brokers, consultants and benefit professionals who serve the health insurance needs of employers as well as individuals seeking health insurance coverage. http://www.nahu.org/consumer/findagent.cfm

Expect to get a spreadsheet comparing a number of plans and than time to review what that means specifically for you and your situations. They will research questions and even call you back!

If you feel you are getting a sale pitch or pressured to buy then just ditch them and and go back to the NAHU list. We have had very professional and knowledgeable help.

Also please get involved and tell your Senator / Representative that we need help NOW. There is no time to waste encouraging coverage for all of us. My husband and I need it too!

Good Luck!

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m hopkinson
Las Vegas, US
May 29, 2009 4:12 pm EDT

"Glad I read this first also - we are paying a phenomonal amount of money ($1200/month) for our insurance with a high deductible and still spend hundreds of dollars a year on services that are not covered.
I am forgoing necessary screenings and tests because I can't afford them so in essence my health is compromised even with health insurance. Everytime I see an ad for a company such as Cinergy or Assurant Health, I check online for complaints and they are full of them."

We are paying close to $1500.00 per month and each of us has a $1500.00 deductible. I too am in my 50's and am forgoing screenings and tests that my doctor orders because of the cost. I am out of pocket by about $1800.00 year to date, and my insurance company (United Health) has only credited me with $20.00 towards my deductible. Sometimes I think we'd be better off with no insurance - at least we could take that $1500.00 per month cost and get those tests done.

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rene
dallas , US
May 28, 2009 8:44 am EDT

i am glad i found your site -- i was considering Cinergy for my husband -- he is 61 and the telemarketeer kept telling he was not eligible as he is 65 and we kept going around in circles -- all in all she was rude and then hung up -- but i was suspicious about the company being a scam due to the unprofessional telemarketeers -- we are still without insurance -- but we will keep looking -- you would think that AARP with all their billions of dollars from people 55+ would have done more to help ----- in the long run it is best to follow alternative health -- prevention, acupuncture and homeopathy -- and stay away from the greedy MDs----------if you can . . .