Celtic Health Insurance
Celtic Health Insurance offers top quality health insurance products for the individual who is not covered by an employer but who wants to safeguard his ability to meet his medical care basics. Established in 1978 in Illinois, and licensed to operate in every state except New York, this is a company that specializes in the single person’s or small family’s needs.
The company got its start writing policies for group and employer-sponsored plans but diverged over the years into market-driven individual plans. Let’s take a look at the Celtic Health Insurance products:
• The Celtic Basic Health Plan is for the person who is in transition – between jobs, someone who is self employed, or a college student—including new graduates—who find themselves no longer covered by Mom and Dad’s plan. You can determine your premium level by opting for either a 20% or 30% co-pay and by adjusting the amount of your annual deductible. Your plan costs are kept low if you agree to share in the costs of emergency room or hospital visits.
Through your Celtic Health Insurance Basic plan, you incur a $30 co-pay for your non-preventive office visits, and you are limited to two per year. Other visits are payable according to your deductible. There is also a preventive care benefit. Prescription coverage comes at either $10 or $15 co-pays for generics.
Celtic Health Insurance encourages your healthy lifestyle by paying for your gym membership, youth sports fees, or weight loss clubs.
• The Celticare Preferred plans come in several options. You can choose a 20% co-pay or sign up for 100% coverage. Select a deductible ranging from $500 to $5,000 for real control of your health insurance costs.
You will benefit from full coverage of preventive care, plus a healthy lifestyle cash incentive that’s a little better than the one offered with the Basic health insurance. You can choose your level of prescription coverage, plus accidental insurance options and, depending on your state, term life insurance.
With Celticare Preferred, you can sign up for Select PPO that gives you a lower premium if you stay within a physician network and a co-pay of $15. There is also a plan that lets you choose any doctors within specified hospitals; your co-pay is $35. And the Indemnity plan lets you go where you wish, but you pay a little more for this kind of freedom.
• Celtic’s HSA—Health Savings Account—health insurance option lets you select a high deductible health plan for a lower monthly premium. With deductibles ranging from $1,200 to $5,000 for individuals, or $3,000 to $10,000 for families, once you’ve met the deductible you pay just 20% or you can opt for 100% coverage. While this plan does not offer you the convenience of paying your office visits up front, it does negotiate the best rates for you with physicians in the Celtic Health network.
Celtic Health Insurance also offers products suited for temporary workers, people in transition, or new college graduates who no longer qualify for their parents’ policy coverage. And the company also promotes a Conversion program intended for self-funded groups or for those who want stop-loss coverage. What if you want to retire early and you’re not old enough for Medicare, but you do have a pre-existing condition? One of these plans can meet your needs. What if you have an employee who dies, and he leaves behind a family of dependents who are about to be uninsured? You can offer them a safety net through Celtic Health Insurance. This is a company that seeks solutions for people who might normally fall in between the cracks, and with a track record of over thirty years it’s a company worth looking at.
