Cinergy Health likes to advertise their health plans. They may not be on television as much as the ShamWow or OxiClean products, but Cinergy does heavily promote their medical plans in Pennsylvania.

So…Is  Cinergy Health insurance worth considering. Probably not…unless you’re uninsurable with major health problems. And be prepared for some surprises when you read the fine print of the policy.

The Cinergy Health “Preferred” plans are NOT major medical insurance and are not intended to replace catastrophic health insurance or major medical insurance. The dental and prescription coverages do NOT make payments directly to you. They are “discount” plans that may reduce your out-of-pocket costs with certain providers.

The Coverage

For example…the Cinergy Health “Preferred 1000”  plan pays only $100 per year (per person) of emergency room (ER) charges. Two ER visits could easily leave you with a bill of more than $2,000. Daily hospital confinement benefits are also limited to only $1,000 per day (up to 30 days per year). Hospital intensive care coverage is even less…just $1,000 per day (up to 15 days per year).

Pennsylvania Cinergy Health Plans offer far less coverage than most typical major medical plans offered by large insurers such as Blue Cross, United HealthCare, Aetna and HealthAmerica. The difference becomes quite noticeable with lengthy hospital stays.

The Cost

The Pennsylvania Cinergy Health “Preferred 1000” plan costs almost $6,000 for family coverage and about $3,700 for an individual. Add a $50 registration fee and it is quite apparent that unless you’re uninsurable, this plan may not be your best option. If you can qualify for health insurance from one of the major health carriers, that’s probably your best option.

To instantly view, compare and apply for Pennsylvania health insurance, please click on the “Get Instant Quote” button at the top of the page.

Affordable Pittsburgh health insurance plans are available. Most of the large Pennsylvania health insurers, such as Highmark Blue Cross Blue Shield, Aetna, UnitedHealthCare, HealthAmerica and Assurant feature low cost plans that are easy on the pocketbook.

We are the premier resource for affordable Pittsburgh health insurance coverage. The rates you view on this website are the lowest rates allowed by the state. There are never any fees for using our service and we’ll always take the time to find the plans that best meet your medical needs while keeping the rate within your budget.

Catastrophic Plans

Saver 80 plan from UnitedHealthOne. Catastrophic plan is one of the least expensive plans in Pennsylvania. Major medical coverage with various deductible options.

Preventative And Hospital Care 3000 plan from Aetna. Catastrophic plan includes preventative coverage that is not subject to the deductible.

QHDHP 80% plan from HealthAmerica. Catastrophic coverage that includes some office visit and prescription coverage after the deductible is met.

Semi-Comprehensive Plans

Copay Saver plan from UnitedHealthOne. Very similar to Aetna’s PPO Value plan, although rates are generally higher in most areas.

PPO Value plan from Aetna. Another low cost Pennsylvania plan that allows two office visits. Additional office visits are subject to a deductible. Very good preventative coverage included. Very strong rates in the Pittsburgh area.

Comprehensive Low Cost Plans

Copay Select plan from UnitedHealthOne. Unlimited covered office visits subject to a $35 copay. Above-average prescription coverage is included along with good preventative benefits (subject to 90-day waiting period).

Copay 90% plan from HealthAmerica. Low copays on covered office visits along with good preventative coverage. Affordable rates is parts of the state.

PPO Copay plan from Aetna. Competitively priced in most areas, this policy always seems to be one of the more affordable options in this class. Great preventative coverage and wide range of available deductibles.

Affordable Pittsburgh plans are available from many carriers and I tried to highlight the plans with the most competitive rates.

To instantly view, compare and apply for high quality Pennsylvania health plans, please click on the “Get Instant Quote” button at the top of the page. Or, you can speak to a live person by calling (888) 513 6446.