Kay "kaypertsd" Whatley

So, we switched from Blue Cross/Blue Shield about 2 months ago because BCBS raised their rates and paying so much for health insurance seemed out of line for how little we go to the doctor.

We switched to Cinergy Health. I was a little concerned that there were negative reviews online about Cinergy.  I questioned them at length regarding what they would and would not cover.  They insisted repeatedly that they were real insurance, they were not a discount plan, and that they would cover every medical procedure including dental and maternity...anything medical would be covered.  I could go to any doctor.  If the doctor didn't take their insurance, I would submit directly to them.

So, I called them yesterday regarding a procedure I'd talked with my doctor about.   I was immediately told that it was not covered at all.   Not a dime.  Their "80% of anything" was BS, as they won't pay the 80% or even 8.0% or 0.80%.

So, I'm guessing Frank and I need to find a new health insurance to replace Cinergy.  I feel that I was lied to, and that Cinergy really isn't planning to cover "any medical procedure" as they told me repeatedly.