What does this company offer as far as health insurance is concerned? I searched their website for more information about what they offered. It seems like it is a good answer to those people without health insurance. Health care is expensive even with good health insurance coverage. The money that comes out of pocket sometimes leaves people asking themselves why they pay a monthly premium.
This particular insurance company does not offer health insurance plans. What they offer is a program that will allow you to receive a discount that Cinergy and the doctors, hospitals or specialists have agreed on for each service. You pay a certain amount every month to be a member so that when you need these services, you can get them at a lower rate. The main objective is to get the prices of doctor visits, lab, x-rays and hospitalization lower so that more people can afford to go. This is good as long as you don’t have to spend a lot for monthly membership dues.
Here are some details about the coverage members receive:
* Physicians: There are over 130 specialties including Cardiologists, Pediatricians, Obstetricians and surgeons. You can receive a discount anywhere from 10%-60%. This includes preventive care, specialty care, urgent care, office visits, diagnosis and treatment. There are no claim papers to fill out. You need to pay the agreed amount at the time of the service. There are no exclusions to existing conditions. You can receive unlimited care, which means that there are no limits to the number of visits you make or what is done during each visit. There is a discount offered for almost everything. The website provides a chart of some examples of services in certain states. They list the charge for a certain procedure, the discount and the savings. For an example: A consultation and a pregnancy test in LA will cost about $125.00. Cinergy members would pay $85.60. The savings would be $39.40.
* Chiropractic care: You can receive a 20%-50% discount on adjustments, therapies, x-rays, office visits, exams or specialty procedures. You will also get a free consultation to determine what the problem is, what treatment will help, and how to maintain good health.
* There are over 50,000 hospitals that are participating in this program. Discounts would be from 3%-30% depending on what treatments and tests are being done. They also offer what is called Medical Tourism. This is when a patient goes out of the country to receive certain tests or procedures. They offer discounts on airfare as well as other discounts that would be related to your travel.
* Prescriptions are expensive. This program has over 54,000 pharmacies participating. You can save from 10%-60% on brand and generic medications.
* This program also offers discounts on dental coverage as well. There are over 68,000 dentists that are currently participating. You can receive a 20%-50% discount on services ranging from teeth cleaning to cosmetic dentistry. Again, you can go as often as you need to. They also offer a licensed dentist that you can notify by email 24 hours a day 7 days a week. You can ask dental related questions and you will receive a response within two days. .
* If you are a diabetic, this program also offers discounts on supplies from 10%-60%. Discounts are applied to such items as test strips, meters and non prescription insulin just to name a few.
This website was easy to use and very self explanatory. It allows you to find pharmacies that are participating in your area. It also allows you to enter a medication that you may currently be on to see if it is eligible for a discount. You can start using your program discounts once you receive your membership cards and all the information. To join, you need to type in your zip code and telephone number. They will give you a quote. If this is something that you are interested in, go to: www.cinergyhealth.com. Currently, you can not receive this program if you live in Connecticut, Montana or South Dakota.
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