Cinergy Medical Insurance is the biggest rip off I have ever had any dealing with. I have told everyone that will listen to never have anything to do with this company as all they want is the premium and they will not pay anything. I thought I was having a heart attack and was rushed to the emergency room. As it turned out I was having esophagus spasms. They refused to pay anything. I could go on about what they did or did not pay but the did not pay list would take to long. After 10 months of paying premiums with not one claim being paid by Cinergy we dropped Cinergy and hope to God that anyone who has them will do the same.