About Cinergy Health Insurance in California

By Contributing Writer

  • Overview

    About Cinergy Health Insurance in California
    Shopping for health insurance can be a tedious and frustrating task. With so many companies and plans available, it can be tough to find the right health insurance. Cinergy Health is just one insurance provider that operates in California, and it offers two health insurance programs for California residents. The plans are "guaranteed issue," meaning you cannot be turned down because of any pre-existing medical conditions you may have.
  • About Cinergy Health

    Cinergy Health is an insurance company headquartered in Miami, Florida. The health insurance plans are designed to be lower-cost than traditional plans offered by major insurance companies, and its coverage is described as "limited medical benefit plans." This means that the costs and fees for coverage may be lower, but you may have to pay more out-of-pocket costs. Cinergy also offers life insurance programs.
  • Insurance Plans

    Cinergy Health offers two plans in California: the Preferred 500 and Preferred 1000. The main difference between the two plans is the amount of coverage. The Preferred 1000 plan has higher coverage for office visits, lab work, emergency visits, x-rays and hospital stays. For example, the Preferred 500 plan will only cover $50 of each doctor's office visit--up to five visits per year--while the Preferred 1000 plan will cover up to $100. The Preferred 1000 also offers discounted prescription drugs and dental services, which is not available with the Preferred 500 plan.

  • Costs

    For an individual plan in California, the costs will total $186 a month for the Preferred 500 or $241 per month for the Preferred 1000. Family plans are considerably more expensive. The Preferred 500 family plan totals $319 per month and the Preferred 1000 family plan costs $484 per month. There is also a $50 registration fee for each plan. These prices are applicable to California only.
  • How to Apply

    You can apply for Cinergy Health Insurance online on its website. Select your preferred plan and enter your personal information and credit card information to pay for the registration fee and the first month of coverage. You are guaranteed to be accepted by Cinergy Health because their plans are considered "guaranteed issue" plans. You will also not pay more if you have pre-existing medical conditions, as long as you are under 65 when you first enroll.
  • Warnings

    Check your plan details carefully before you buy. Cinergy Health offers two separate programs in California: the health insurance program discussed above and a Health Discount Medical Plan. The Health Discount Medical Plan is not insurance, but rather offers discounts on doctor's visits and medical procedures. The Discount Medical Plan may seem like an attractive option due to its lower cost, but it is not health insurance. Cinergy Health is an accredited member of the Better Business Bureau, and it receives a grade of B- from the BBB's rating system. This indicates that it is a reputable company and respond to complaints in a timely manner.
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