(1)I signed up with Cinergy in July 2009 for an individual health policy. In October 2009, Cinergy changed underwriters and sent new id cards and a new member's manual, enumerating benefits and exclusions. In February 2010, 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 2/15/2010. 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.