Posted: 6/30/2008 7:42:40 AM EDT
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Has anyone used Cinergy Health? They are offering what seems to be a pretty good deal, but if it doesn't cover anything it's not worth it. Anyone heard anything about it or use it? Input please 
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There was too much small writing flashed up at the end of the commercial for me to think it would be something good to get. After looking at the actual "benefits" you get you would be better off saving the money from their monthly fee and putting it towards your doctors visit. www.cinergyhealth.com/preferred-benefits.asp Cinergy Health Preferred Plan Benefits Free Quote - I would like to receive a free health or life insurance quote now Enroll now! Cinergy Health Preferred - Limited Medical Indemnity Benefits The Cinergy Health Preferred 1000 Plan includes the following first dollar coverage for each insured family member. This plan was designed specifically to address the most frequently needed healthcare services. Doctor Office Visits: Pays the first $100 per visit towards physician services when the insured person seeks treatment for covered illnesses and accidents for up to five visits per year. Diagnostic Testing, X-Ray & Lab Benefit: Pays the first $100 per visit for diagnostic testing, x-rays and laboratory fees for up to three visits per year. Wellness Benefit: Pays the first $100 per visit for routine preventative tests such as vision tests, electrocardiograms, mammograms and colonoscopies for one visit per year. Emergency Room / Urgent Care Visits: Pays the first $100 per visit for emergency care for a covered illness or accident for one visit per year. Hospital Admission Benefit: Pays the first $1,000 per admission to a hospital for up to four admissions per year. Daily In-Hospital Confinement Benefit: Pays the first $1,000 per day of hospitalization for up to 30 days per year if you are admitted to a hospital as a patient due to a covered illness or accident. Hospital Intensive Care Unit Confinement Benefit: Pays the first $1,000 per day for up to 15 days per year if you are admitted to a hospital ICU as a patient because of a covered illness or accident. Surgery Benefit: Pays the cost for medically necessary surgeries up to an Unlimited Annual Maximum for any covered person that undergoes a surgical procedure with anesthesia due to a covered accident or illness. Coverage is 80% of the federal Medicare allowable schedule. Anesthesia: Pays the cost of anesthesia up to an amount equal to 25% of the surgical benefit. Pregnancy: Pays the cost of prenatal care, delivery and post partum care according to the surgical schedule. Covers 80% of the global maternity rate according to the Medicare allowable schedule. Mental Health and Substance Abuse Benefit: Pays the first $100 per day for inpatient and outpatient care for mental illness and substance abuse treatment. Inpatient care is limited to 30 days per year; outpatient care is limited to 20 visits per year. Accident Medical Benefit: Pays up to $5,000 per year for charges incurred due to injuries received in a Covered Accident. Covered charges are subject to a $100 Policy Year deductible. Accidental Death & Dismemberment: Pays up to $15,000 Per Insured if the insured dies or loses a limb as the result of an injury. National PPO Network: A National PPO network that will provide the insured with negotiated in-network re-priced discounts, minimizing the insured’s out-of-pocket expenses. The Cinergy Health Preferred Plan does not require care from a participating PPO provider in order to receive full benefits. Benefits are assignable to any Qualified provider. Insurance benefits are provided under a group insurance policy and are subject to the carrier’s underwriting guidelines, exclusions, limitations, terms and conditions of coverage as set forth in the insurance policy and certificate which includes a pre-existing limitation and other restrictions. Benefits and rates vary slightly by state and carrier. For residents in VA please click here. Please call Cinergy Health for rates and a more detailed explanation of benefits at 800-847-9151. At no additional cost, Cinergy Health Preferred 1000 members also receive: Five Tier Prescription Program: The tiered prescription program will save you from 10% to 60% on brand and generic prescription drugs. Please refer to the enclosed Prescription Drug Guidebook for complete information and drug listings by tier. Present your Cinergy Health Pharmacy Card at any one of our 56,000 national chain or independent participating pharmacies to save on your prescriptions. Or take advantage of our mail order program to have your maintenance prescriptions delivered right to your door.* Set pricing levels on thousands of preferred brand and generic drugs or the pharmacy’s lowest discounted price.* TIER 1 - Prescriptions Select generic and brand name drug labels for a maximum price of $10 TIER 2 - Prescriptions Select generic and brand name drug labels for a maximum price of $20 TIER 3 - Prescriptions Select generic and brand name drug labels for a maximum price of $30 TIER 4 - Prescriptions Select generic and brand name drug labels for a maximum price of $40 TIER 5 - Prescriptions Member pays the best discounted rate for prescriptions over $40 * Optional usage through an independent mail order service. Drug labels may be added or deleted without notice. A nominal handling fee may apply. Prices on Tiers 1, 2,3 & 4 are based on a 1 pill per day dosage. Discount Dental Plan: Dental care at savings from 25 to 50% below dentists’ regular fees at more than 68,000 dental locations. You’ll also get a no-charge exam and x-rays in conjunction with a paid annual cleaning. The prescription and dental programs are discount services; they are not insurance plans and are not available in all states. Sold separately in some states. NCE Membership Benefits Includes the following membership benefits: Medical Records Software Financial Counseling Tax Advice Hotline ID Theft Prevention Roadside Emergency Assistance Discounts on Car Rentals, Auto Maintenance, Flowers Magazine Hotels, Amusement Parks, Movie Tickets, Tradesman Referrals and Advice This medical benefit plan has some limitations. In most cases, the benefits per family member each year will be more than most people will need especially when paired with our national PPO Network of nearly 700,000 providers. If you exceed your benefit level you will be responsible for any charges beyond those limits although discounts will still be available through the participating network physicians. Insurance benefits are provided under a group insurance policy and are subject to the carrier’s underwriting guidelines, exclusions, limitations, terms and conditions of coverage as set forth in the insurance policy and certificate, which includes a pre-existing limitation and other restrictions. The discount dental and prescription drug services are NOT health insurance policies, are NOT Medicare prescription drug plans and are not intended to replace or be a substitute for existing insurance. The discount dental & prescription drug services provide discounts at certain health care providers for medical services but do not make payments directly to the providers of medical services. The prescription drug discounts are available only at participating pharmacies. The member is obligated to pay for all discount dental & prescription drug services, but will receive a discount from those health care providers who have contracted with Cinergy Health, Inc. |