Cinergy Health is a rip off! I made the mistake of falling for its ploy to sign up and produce your credit card number over the phone for them. I was told that I could cancel the plan whenever I wanted to and that I would be refunded the entire amount. I opted to cancel it a day later after rethinking it. I was told I had to fax a letter to cancel the plan and I did that the next day.
My credit card was not refunded $50 and after calling their RUDE customer service center, I was told that it is a nonrefundable application fee. This was not mentioned in the initial call to sign me up and when I stressed this, I was given no answers and was given the run around. After asking for a supervisor, I was put on hold for 10 minutes and then the same heavily-accented woman told me the same thing. She said that if I would have cancelled it the next day that I would have been refunded the full amount. I was never told this and only cancelled it two days later because I didn't have access to a fax machine.
Needless to say, I never got to talk to a supervisor myself and I have gotten nowhere. This company is shady and is practicing horrible business practices. Do not sign up and use this plan because after looking into it more, I realized that it is not even worth the meager coverage they give you. I hope that others do not make the same mistake that I have and learn from this posting.
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