Information About Cinergy Health Insurance

Find out about a health insurance alternative.

Cinergy Health Insurance has recently appeared on the scene as a way to obtain low cost health insurance. In reality, it provides its clients with discounted payments for health services. The company readily says that its coverage is not meant to be a replacement for a major medical policy, but as a means to get discounted health services. Other health insurance companies underwrite the various policies that Cinergy Health Insurance offers.

The Facts

Cinergy Health Inc. is headquartered in Sunrise, Florida and focuses on providing affordable health care insurance across the country. As health care costs continue to rise, Cinergy's goal is to offer American families health insurance coverage that is flexible and affordable, so that it fits their needs--especially for those who otherwise could not afford full coverage through regular health insurance companies.

The Function

The company focuses on those who are not able to get a regular health insurance policy, but who may want some kind of lower priced medical plan. This makes it possible for people who are out of work, or who do not get insurance through their place of work, to be able to still get medical care. It is also an option for the self-employed, part-time employees or recent graduates.

Types

The company offers two different types of health insurance solutions--a Short Term Medical and a Limited Medical Policy. The Short Term Medical is designed for those who are in between jobs, self-employed or have temporary employment. Limited Medical is just for basic coverage and includes expenses such as doctor's visits, basic hospitalization and prescription drugs.

Time Frame

As of 2010, Cinergy Health Insurance is not accepting any new clients under the Limited Medical Program. There also is a waiting time of six months for any pre-existing conditions, but discounts can be received on those conditions after that time.

Benefits

Cinergy Health Insurance enables clients to get some rather notable discounts. Having a plan with the company provides up to 80 percent coverage. As of 2010, the program includes such things as doctor's visits after a $50 copay--which is good up to three visits, an assistant surgeon and anesthetist if needed, a skilled nursing facility with up to a 30 percent discount up to 30 days, discounts on medical emergencies during foreign travel and more. Another benefit is that the discounts can be applied to any doctor or hospital.

Warning

You should not consider a discount program such as this one offered by Cinergy as actual health insurance. The program only offers discounts on services received; the client is responsible for 100 percent of the balance after the discount. Cinergy Health Insurance does not make any payments to the medical care provider or to the client. Be aware that there is no cap on the amount of money that you could be liable for under this type of plan.

References

• Cinergy Health