L
loobieloo
Guest
Re: Cinergy Health
I can only comment on their sales tactics, which seem to be somewhat shady. [BTW, I have pre-existing conditions (depression, thyroid) that are not life-threatening but do require daily meds, some of which are pricey. I expect that any interim plan that's reasonably priced would exclude them. One agent from a good company said they probably wouldn't cover me at all, and I didn't bother to apply.]
I logged onto cinergyhealthplans.com for info after seeing their commercial. Online I requested a quote and gave them my name and phone number. They called me within a couple of minutes. Asked if I currently had health insurance, and if it was individual or family. (Individual.)
Right then and there he quoted me $241/month, no deductibles, no copays, no pre-existing conditions. Much better than the >$500/month offered as continuation coverage from my prior employer's insurance company, and COBRA too. But he said that he needed to ask me a number of questions to see if I would qualify.
Frankly, with the deal sounding so good, I'd be surprised if I'd qualify. My guess is that they just don't qualify people with pre-existing conditions, otherwise how could they stay in business? Also, it struck me as odd that their website shows two plans, but I was given only one quote.
Now here's the really weird part. He asked if I was planning on purchasing today. I said, well, i'm still shopping around. The bottom line is (and this was after going around in circles with him) - he refused to tell me if I'd qualify unless I first made a verbal commitment to join at $241/month. He said that I needed to go to their comprehensive web site to decide whether I wanted the coverage before he would even begin the process to see if I qualified. He said that if I didn't sign up, I'd have to go through the qualification process again, and there's no guarantee that the few spaces remaining for this great deal would still be available. I said, that's o.k., I'm willing to take that risk, but he refused again, saying - this is how our business is run. I even baited him with - it seems as though a legitimate company would provide this information up front prior to requiring a commitment, at which point he again referred me to the website.
I figure that if they need a $$ commitment prior to qualifying, there must be additional hidden expenses, or I wouldn't qualify to begin with. Either way, I won't waste any more time on them.
I can only comment on their sales tactics, which seem to be somewhat shady. [BTW, I have pre-existing conditions (depression, thyroid) that are not life-threatening but do require daily meds, some of which are pricey. I expect that any interim plan that's reasonably priced would exclude them. One agent from a good company said they probably wouldn't cover me at all, and I didn't bother to apply.]
I logged onto cinergyhealthplans.com for info after seeing their commercial. Online I requested a quote and gave them my name and phone number. They called me within a couple of minutes. Asked if I currently had health insurance, and if it was individual or family. (Individual.)
Right then and there he quoted me $241/month, no deductibles, no copays, no pre-existing conditions. Much better than the >$500/month offered as continuation coverage from my prior employer's insurance company, and COBRA too. But he said that he needed to ask me a number of questions to see if I would qualify.
Frankly, with the deal sounding so good, I'd be surprised if I'd qualify. My guess is that they just don't qualify people with pre-existing conditions, otherwise how could they stay in business? Also, it struck me as odd that their website shows two plans, but I was given only one quote.
Now here's the really weird part. He asked if I was planning on purchasing today. I said, well, i'm still shopping around. The bottom line is (and this was after going around in circles with him) - he refused to tell me if I'd qualify unless I first made a verbal commitment to join at $241/month. He said that I needed to go to their comprehensive web site to decide whether I wanted the coverage before he would even begin the process to see if I qualified. He said that if I didn't sign up, I'd have to go through the qualification process again, and there's no guarantee that the few spaces remaining for this great deal would still be available. I said, that's o.k., I'm willing to take that risk, but he refused again, saying - this is how our business is run. I even baited him with - it seems as though a legitimate company would provide this information up front prior to requiring a commitment, at which point he again referred me to the website.
I figure that if they need a $$ commitment prior to qualifying, there must be additional hidden expenses, or I wouldn't qualify to begin with. Either way, I won't waste any more time on them.
