Cinergy Health Insurance…Worth Your Time And Money?

Original post from: Ohio Health Insurance Quotes

Cinergy Health doesn”t seem to do as much advertising these days. No, they don’t pitch OxiClean or Mighty Putty, but Cinergy does heavily market their medical plans.

Are they worth it? In most cases…No! In fact, unless you thoroughly read the fine print of your policy, you may be in for a jolt!

Available Cinergy Plans

Two types of plans are available. “Cinergy Health Signature” is their discount health plan and “Cinergy Health Preferred” is their insurance plan. Both plans offer far less coverage than a conventional Ohio health insurance policy from a major insurer…such as Blue Cross, Aetna or UnitedHealthCare.

“Cinergy Health Signature” is NOT an health insurance policy. It may help you reduce some of your healthcare costs, but not necessarily a significant amount. Coverage benefits are very vague and the premium for a single person is almost $1000 per year. And, the plans are actually provided by Patriot Health Florida, who requires you to PAY FOR ALL HEALTHCARE SERVICES in advance. Later, you may receive a discount on some of those expenses.

“Cinergy Health Preferred 500” is considered an insurance plan, but coverages are limited and descriptions of these coverages are fairly vague on their website. For example, this plan only covers ONE emergency room visit per year. Only ONE preventative visit per year is allowed. Daily hospital confinement charges are also limited to $500 per day and 30 days per year.

The Cost

If you can qualify for an Ohio Health Insurance Plan from a major carrier, then don’t waste your time with this carrier. If you are uninsurable, then you may want to consider a plan…but read the policy in its entirety. Cinergy will only consider refund requests in writing and will not refund the application fee.

Affordable Ohio health insurance is available. To instantly view and compare high quality Ohio health plans, please click on the “Get Instant Quote” button at the top of the page. You can get comprehensive coverage without breaking the bank.

UPDATE April 2011- I don””t see as much advertising from Cinergy three years after I wrote the original article. Their “Limited Health Benefit” plan might be worth considering if you are uninsurable. But keep in mind that the plan is NOT a major medical insurance plan and is not to be used to replace a catastrophic policy.

Cinergy Ohio health insurance should not be used to replace major medical or catastrophic health insurance policies. View affordable alternative Ohio plans.

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