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cinergy health insurance?

i heard on tv about some health insurance called cinergy health insurance for individuals . does anyone know anything about this type of coverage like for instant does it pay pretty good, what does it cover , and is it affordable. this would be for a male over 50 no health problems ,non-smoker. i heard this is suppose to be a type of insurance for uninsured or unemployed people .

Public Comments

1. Cinergy is not a major medical plan; it is a defined benefits plan. They will pay up to the $ amount listed in the policy for a procedure and you pay the rest. For example, on their better plan they'll pay up to $1000 per day if you are in the hospital. The average charge in the hospital is $3000 per day so you'll pay the other $2000. There is no maximum you'll pay so if you're in the hospital for 10 days you'll pay an average of $20,000. The premium is $241 per month. As a comparison, in my area you could get a major medical $2500 deductible HSA plan with 0% co-insurance for around $225 per month. The maximum you'd pay in a year is $2500 even if you were in the hospital for a month. The only advantage the Cinergy plan has is if you are uninsurable for a major medical plan. Visit a local agent that works with all the major plans in your area. The agent can compare the major medical plans to the Cinergy plan and explain the pros and cons of each based on your particular situation. There is no extra charge using an agent.