I obtained Cinergy Health for my child and myself...They are nothing but liars!! I was told that pregnancy would be covered 80-20 and they didn't even pay 20%!!! They are pushy, rude and inconsiderate...and they take forever to answer claims just to deny them. My doctors office got pre-approval on several charges as to how much they would cover and then the actual claim would be submitted and they would pay NOTHING AT ALL!! Thanks to them we have paid out over $4600 in premiums just for a discount card!! Now we are in debt about $15, 000 for all of the delivery, hospital and other required procedures or products directly connected to pregnancy!! Thanks for nothing Cinergy Health!!

Once again, Cinergy does not pay (except for very trivial things) so watch out and avoid them. I consider their product to be a huge scam affecting who knows how many of us. And worse, it is difficult to see them getting away with it year after year!

Actually I live in CA. I did not realize that when submitting a complaint here that state selected means where we live. As posted in previous posts, I was sold insurance by Cinergy Health Inc., which is based in FL. I am wondering how many other people have been affected in CA. Please feel free to contact me with such information.

I was encouraged to find out that the state of Arkansas had issued a cease and desist order against this company. However, as they had not sold any insurance in Arkansas (or CA or almost anywhere) of the "limited" variety, the order has been revoked. Investigators and attorneys in AR determined (and I am not sure how) that all people having the insurance knew it was limited. In my opinion this means that they are still not aware of how limited it is.

Folks, they DO NOT pay your hospital bills or anything that is significantly expensive as is indicated that they DO in the rather deceptive adds. There are many exclusions but if you do not read the fine print carefully you will be in for a rude shock.

If they have scammed you, do not feel stupid. These people are good at what they do, have been doing it for years and getting away with it. Sad but true. Their management team has lawyers and when one reads the CVs of these guys or who their PR firm is (see the article by Craig Malisow in the Houston Press on this Company, which describes all of the players, and don't miss Craig's blog on the head of the PR firm. These are scary people.

And will the health care reform help us? I don't know. I also feel that Arkansas withdrawing from the whole thing is sad, as they have made sure no new people are hurt, but what about those of us who have lost thousands and thousands of dollars because of Cinergy?

Just new information here:

As a result of this and their deceptive advertising practice they lost their BBB membership in the state of Florida. (www.seflorida.bbb.org)

"BBB Comments & Analysis:
Bureau's Comments and Analysis of Company's Business:
On February 17, 2010, this companies [sic] membership in the BBB was revoked by the BBB’s Board of Directors due to: recent government action involving the businesses customer relations, which indicates a significant failure of the business to meet standards of conduct, expected of a BBB member."

Cinergy and American Medical and Life (AMLI) were issued a cease and desist order by the state of Arkansas. (Reported by KATV news 2/25/10)

"Little Rock, AR - State Insurance Commissioner Jay Bradford has suspended the non-resident business entity producer’s license of Cinergy Health, Inc. pending the outcome of an administrative hearing scheduled for March 11, 2010, at the Arkansas Insurance Department.

In his order Bradford stated, “For the public health, safety, and welfare of the people of this State, the Commissioner concludes that the Respondent’s non-resident business entity producer’s license No. 321374 should be and is herby suspended…”

Cinergy Health, Inc., headquartered in Florida touts itself on its Web site as a nationwide provider of innovative and affordable health insurance solutions. “This statement could not be further from the truth, ” said Bradford. An investigation into Cinergy Health by the Florida Department of Financial Services resulted in an administrative complaint being filed alleging the company produced and marketed television advertisements for limited health insurance plans underwritten by American and Medical Life Insurance Company (AMLI), a life and health insurer. According to the Florida complaint, AMLI has had no association with Cinergy Health, Inc. since August of 2009 when it put Cinergy on notice to immediately cease selling any AMLI products and to terminate any advertising related to ALMI products.

Commissioner Bradford stated, “We do not currently know if any Arkansas insurance consumers have purchased any products from the company.” Florida found that the advertisements produced and marketed by Cinergy contained false and misleading information concerning the health coverage to be provided.

Anyone who may have purchased a product from Cinergy Health, Inc. is asked to contact the Arkansas Insurance Department’s Legal Division at 501-371-2820 in order to determine whether what they have is a legitimate policy.

(By Stephanie Healy, KATV)."

This company operates on deceptive advertising. They are an advertising company, not a Health Insurance company. They are backed by entities such at American Medical and Life Insurance (AMLI) or Guarantee Trust Life
(GTL). It is a limited insurance plan. They do not pay for anything significant, like the hospital or er. They prey on the desperate amongst us, those who have no insurance or have been turned down for something as small as a prescription medication. I did not find out what was up until a year and a half later, they did not pay my hospital bill. I called and was told 1)computers were down 2) the hospital did not submit the bill correctly and then finally, that 3) I was stupid as I did not realize what they were. They have tried to buy me off with $500 which I consider a bribe. My bill is over $12, 000 and I lost over $5K in premiums, all removed from my account by Cinergy as American Med. is not licenced in CA where I live.

I had cinergy health insurance. their underwriter got canceled I received a letter stating one of their reps will call me as soon as they had another underwriter. One did he explained the new insurance, and that it would be going up 52 more dollars. He asked me how I wanted to pay for checking, credit card. I use automatic debit . I asked him when they would start to take the money. He said right away or a few days depending on my bank. I said I couldn't afford that amt. right now and I still had coverage with them for two weeks more. I asked if they could take it out on the 20th of each month like I had before. He said no it had to be paid for now, and they he couldn't set up the time of month, but he said to hang up after our call and call their customer service. he said he would not put my checking acct. info in. thus leading me to believe I could call customer service and work it out with them.. I called and their customer service told me He should not have signed me up if I said I couldn't afford it. But they would have to investigate the my recorded conversation. and they would take 3 to 5 days for them to get back to me. well 2 days later they took the money out of my account.. I AM SO ANGRY. I am going to call back tomorow since it will be 5 days.. If I get no where I am going to try the ca. state insurance commissioner.. Maybe nothing will happen But I am going to cancel this insurance if I get no response tomorrow.. So BEWARE of this insurance company, , ,