I obtained Cinergy Health for my child and myself...They are nothing but liars!! I was told that pregnancy would be covered 80-20 and they didn't even pay 20%!!! They are pushy, rude and inconsiderate...and they take forever to answer claims just to deny them. My doctors office got pre-approval on several charges as to how much they would cover and then the actual claim would be submitted and they would pay NOTHING AT ALL!! Thanks to them we have paid out over $4600 in premiums just for a discount card!! Now we are in debt about $15, 000... read full review »