I guess at the end of the day when all has been said and done, I have learned that their are companies out there that thrive on others. They are the kinds of companies that gladly take your money but do not contract with anyone for services rendered. As they do not contract with anyone they can not be held accountable for anything. A company that is like a ghost and can be allowed to get in bed with another company that is known for failing to respond to complaints. Their advertising being grossly misleading and/or are not in compliance with the law’s licensing or registration requirements. Their complaints contain especially serious allegations, or the company’s industry is known for its fraudulent business practices. I googled this information and obtained it from the Better Business Bureau. Cinergy Health, Inc. can legally take your money and sell you a Limited Medical Policy...I'm sorry, let me get back on track.

These companies do not care who you are! They provide you with a membership number and as long as you pay for the coupon book of providers you get to keep your membership number. For that membership number I paid $241.00 a month. This is NOT INSURANCE! This is the equivalent of getting one of those little blue envelopes in the mail every once in a while filled with useless coupons. I did not need my carpets cleaned or an oil change. I did not need four tires (Buy 3 and 1 Free). I needed a Limited Medical Policy as a laid off, unemployed citizen of the United Stated of America and actually thought that Cinergy Health, Inc. was doing a great thing in bad economical times. Well, the Consumer Driven Benefits Association of America (Cinergy Health, Inc. as Agents) advised that they would, "Exceed My Benefit Expectations". I must admit that statement was not a lie.

So, before you go to bed this evening think about if you really want to be a member of such a thing called a Limited Medical Plan. Yes, they will throw fancy words at you like GOLD Elite Plus Plan or Preferred 1000 member. They throw around word like Consumer Driven Benefits Association and Cinergy Health, Inc. As long as you understand that they have nothing at all to do with anything remotely related to MEDICAL INSURANCE you should be able to sleep okay.

I will sleep very well tonight because I will no longer be giving Cinergy Health, Inc. my business and I have since obtained REAL medical insurance. It pays to shop around and yes, it does cost slightly more than these coupon clubs. I now also have dental, vision and hearing. REAL INSURANCE! The phrase: "At no cost to you, " is a lie. Everything cost.

I have created a blog at : http://membersreview.blogspot.com

Check it out!