(1) I signed up with Cinergy in July for an individual health policy.in October Cinergy changed underwriters and sent new id cards and a new member's manual, enumerating benefits and exclusions.in February I was diagnosed weith breast cancer. The surgeon (fee is listed as a covered benefit in a hospital, outpatient facility or in the office) chose to due the surgery in an outpatient facility adjacent to the hospital. Cinergy claims they do not cover an outpatient facility fee: although use of an outpatient facility is not mentioned in the exclusion list, cinergy maintains that it is excluded because it is not mentioned as a covered benefit or as an exclusion. I paid $2400 to the hospital for use of the outpatient facility.
(2) Cinergy Health Plans sent me a letter dated 2/5/10 and received 2/10/10, stating their intention to abandon all California consumers effective 2/15. They offered no alternative coverage. Their abandoning me leaves me with a pre-existing condition that no new carrier will assume. I will need radiation and chemotherapy with no insurance coverage available.
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