Limited Benefit Health Insurance

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Do you need a basic insurance plan that covers your most predictable healthcare needs, but can’t afford the monthly premiums of a major medical insurance plan? Do you need to supplement a high deductible plan to help cover routine medical expenses? When conventional major medical insurance gets too expensive being uninsured shouldn't be your only option.

Cinergy Health is able to offer you affordable insurance to fit your budget. It's called limited benefit health insurance. These plans are not major medical plans. Major medical insurance charges higher premiums necessary to cover large catastrophic claims.

Limited Benefit Health Insurance Plans were specially designed for people who:

• Don’t have access to comprehensive major medical insurance
• Want to be covered for basic/everyday medical treatments such as doctor visits, x-rays and short hospital stays
• Can’t afford or qualify for traditional major medical insurance
• Already have a catastrophic health insurance plan, but
  with a high deductible
• Have a new or small business on a limited budget

Plans offered are underwritten by Starr Indemnity & Liability Company and Companion Life Insurance Company.

This plan is a Limited Benefit Health Insurance Plan. Plans are underwritten by Starr Indemnity & Liability Company (Form No. AH-70001CN) or Companion Life Insurance Company (Form No. MMP2250) offered through a paid association membership and vary by availability, vendor and state of residence.

It is NOT MAJOR MEDICAL INSURANCE and is not meant to replace catastrophic health insurance or major medical coverage. For costs and further details of the coverage, including exclusions, any reductions or limitations and the terms under which the coverage may be continued in-force, please call (800) 847-9151.
NOT AVAILABLE in CA, CT, ID, KS, MA, MD, ME, MN, MT, NH, NJ, NY, OR, SD and WA.

* Primary member and spouse (if applicable) must be at least age 18 and under age 65. Some states have a 30-day waiting period for sickness benefits.

Limited medical benefit plans previously available through Cinergy Health are underwritten by American Medical and Life Insurance Company (Form No. GRP LM 2007). The discount dental and prescription programs are provided by Patriot Health Florida, Inc. (except in CA), a discount medical plan organization. These programs provide discounts at certain health care providers for medical services and do not make payments directly to the providers of medical services. The member is obligated to pay for all health care services but will receive a discount from those health care providers who have contracted with Patriot Health Florida, Inc., located at 160 Eileen Way, Syosset, New York 11791. Members may cancel within 30 days and discounts may vary. Customer service: (800) 876-1618. www.cinergyhealth.com