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Is Cinergy Health Insurance Plan True Insurance, Website Shows Both Discount Medical Plan And Health Insurance?

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Is Cinergy Health Insurance Plan True Insurance, Website Shows Both Discount Medical Plan And Health Insurance?

Postby Brocleah » Mon Sep 25, 2017 1:02 am

Is Cinergy Health Insurance plan true insurance. Their website shows both Discount Medical Plan and Health Insurance Plan. I saw similar question on the following link but replies talk about only Discount Medical Plan. So now I am wondering, is it only Discount Medical Plan or they do also offer health insurance plans too?

http://answers.yahoo.com/question/index?qid=20080903092605AAiNLnv
Brocleah
 
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Joined: Fri Jan 10, 2014 6:20 pm

Is Cinergy Health Insurance Plan True Insurance, Website Shows Both Discount Medical Plan And Health Insurance?

Postby Denney » Wed Sep 27, 2017 10:13 pm

Yes, they have plans that are true insurance. However, they are basic defined benefit plans with many limitations, not major medical insurance. It is expensive for what you get unless you have pre-existing conditions that would prevent you from getting a major medical plan.


A common scenario would be if you get in a bad accident and wind up in the intensive care unit for the average 2 day stay and a regular hospital bed for the average 3 day stay. This would cost a minimum of $26,000. Cinergy will pay $5000 and you'll pay $19,000+. If you get a major medical, such as a $5000 deductible plan with $2500 co-insurance all you'll pay is the deductible and co-insurance, which would be a maximum of $7500. Still a lot of money but nowhere near what you'd pay with Cinergy.
Denney
 
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Is Cinergy Health Insurance Plan True Insurance, Website Shows Both Discount Medical Plan And Health Insurance?

Postby Lyall » Wed Oct 11, 2017 3:26 pm

Right now humans have wellbeing coverage at paintings. Nothing might difference. If you could have a present plan, not anything might difference. The fee of the ones plans would possibly come down on account that extra humans might be enrolled with the identical coverage corporations. Now we pay for deficient humans who cross to emergency rooms. we pay for deficient humans on public help. We pay for low paid staff like Wal Mart staff who do not have coverage. If you lose your activity and are not able to find the money for Cobra or it runs out, and also you had a major ailment ago, at present you're insurable. The coverage corporations can deny to hassle you a plan in view that they consider you are too dicy. Even in case you had been enrolled with them for 15 years at your corporation -- lose your activity they usually say, we are performed with you. If you are not able to get coverage, (on account that they may not take you) in case you get unwell, you lose your retirement account and condo, and that illness will fee you all you labored for, on account that the coverage corporations refuse to receive you as an person. When there is a institution despite the fact that, they need to receive you, as they do now together with your co many. With Hillary's plan, the institution plan provided now to Senators might be open to each person. They have a cafeteria plan, which offers you several offerings and the coverage corporations are the identical ones now we have now. If you are not able to find the money for to pay there might be subsidies and tax breaks. Ultimately each person might be included and there might be much less infectious disorder, much less steeply-priced emergency rooms, and minimize expenditures total, to taxpayers, and coverage expenditures to members and corporations might more commonly drop as good. It's a well factor, it quite is.
Lyall
 
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Joined: Fri Jan 10, 2014 1:08 pm


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