What is Celtic Health Insurance?

Celtic health insurance has been providing various kinds of health insurance plans since 1978. Even though initially Celtic started with group insurance, life insurance and individual insurance plans, eventually they settled with only individual health insurances. Today, Celtic is one of the leading specialty health insurance companies in the United States. It has over 90,000 policy holders all across the US. Celtic is licensed to provide health insurance in all the states except Hawaii. Their excellent reputation, financial stability and customer support fetched them A.M Best rating A- (excellent).Celtic provides mainly five kinds of individual health insurance plans; Celtic basic health coverage, Comprehensive health plan, HSA qualified health plans, short term medical insurance and student health insurance. All these main categories have several subdivisions.Celtic basic health coverage- Celtic basic plan works within doctor and hospital PPO network. This policy covers people between the age group of 6 months and 64 ½ years. Under this plan, the policy holder can visit the doctor 2 times per year with co-pay of $30 each. Anything extra will have to be borne by the customer. Basic plan is a low premium plan with high deductible. The deductible offered are $1,500, $2,500 and $5,000. Prescription drugs are not covered in this plan. However, one can opt for prescription drug coverage as an add-on.Comprehensive health plan- There are three types of comprehensive plane; Celticare preferred select PPO, Celticare preferred ‘Any Doc’ PPO and Celticare preferred managed indemnity. Celticare preferred select PPO policy holders can access doctor and medical facility that are within the network. They can avail the high quality care for the lowest premium and the co-pay is as low as $15. ‘Any doc’ PPO members have the flexibility of going to any doctor for the medical care. However, to enjoy the complete benefits of the policy, the hospitals should be within the PPO network. ‘Any Doc’ policy holders have to pay co-pay of $35 per office visit. Celticare preferred managed indemnity members do not have any restrictions. They can visit the doctor and hospital of their choice. Comprehensive health plan provides $20 co-pay for prescription generic drugs.HSA qualified health plans- This is a high deductible plan that offers the option of opening a health savings account. People who have this policy can avail the unique tax benefits. This plan offers managed indemnity and PPO plans for members who are aged between 18 years and 64 ½ years.Short term medical insurance- It is temporary health insurance coverage for those between jobs, college graduates and early retirees. Applicants can choose the length of coverage from 1-6months. Inpatient, outpatient, office visit surgical charges and laboratory charges are covered under this policy.Student health insurance- This is also a temporary health insurance that is ideal for students. Applicants can choose the length of coverage from 1-6 months and they can apply for three terms for a total of 12 months of coverage. Student health plans are available in different deductibles.Celtic is a specialist in individual plans. It is an affordable solution for anyone who is in need of high quality health care plans.