In today's changing economy, budget-minded individuals and families are looking for an affordable health plan that provides quality coverage through a strong national network of providers. Celtic Insurance plans are designed specifically to meet the needs of individuals who are self-employed, retired, or otherwise ineligible for a group health plan. Their commitment to providing access to quality healthcare has made Celtic one of the top private insurance companies serving the individual insurance marketplace throughout the Midwest.
Celtic offers a variety of plans to meet your lifestyle and budget. These include the Celtic Basic Health Plan, CeltiCare Preferred, CelticSaver HSA and Celtic's Short Term medical insurance.
Celtic Basic Health Plan
The Celtic Basic Health Plan is a leading personal health insurance plan that targets a growing number of individuals who want simple and affordable coverage for major medical expenses.
This plan includes:
- High quality basic health insurance
- Affordable monthly premiums with high deductible options
- An easy to use PPO plan with coinsurance of either 70/30% or 80/20%
- Two office visits per year with a $30 copay, with additional visits subject to the annual deductible/coinsurance
- Prescription drug coverage
- Preventive care benefits
- Healthy Lifestyle cash incentive
Celtic Basic is a low-cost health plan with all the essential benefits, and is ideal for the self-employed or anyone else who needs high quality economical health coverage.
CeltiCare Preferred
The CeltiCare Preferred Plan is an individual health plan that offers something for everyone. Whether you are looking for quality major medical insurance for your whole family or a comprehensive health plan for yourself, this customizable major medical insurance plan provides flexibility and value. Ideal for consultants, small business owners and freelancers who need the security of health insurance without the high cost, CeltiCare Preferred covers a wide range of healthcare needs and offers plenty of extra money-saving options.
This plan includes:
- Flexible health insurance for self employed and quality individual major medical health insurance coverage for individuals ages 19 to 641/2 years and their families
- Choice of 80/20 or 100% coinsurance
- Deductible choices ranging from $500 to $5,000
- Preventive care coverage
- Prescription coverage - low co-pay for generic drugs with no deductible
- Supplemental options, including brand-name prescription drug coverage, term life insurance and supplemental accident insurance
- Healthy Lifestyle cash incentive
Applicants can select from three different benefit plans within the CeltiCare Preferred family. These include:
- CeltiCare Preferred Select PPO (Doctor and Hospital Network) - a physician and hospital PPO plan that offers savings on every visit to participating providers - only a $15 co-pay.
- CeltiCare Preferred "Any Doc" PPO (Hospital Network) - Choose any doctor and take advantage of affordable $35 co-pays.
- CeltiCare Preferred Managed Indemnity (No Network) - Traditional major medical insurance for individuals and families who want to visit the hospitals and doctors of their choice.
Crosspointe Insurance Advisors can help you select the CeltiCare Preferred Plan that offers the quality health benefits you need at the right price.
CelticSaver HSA Plan
The CelticSaver HSA Plan is a high-deductible major medical plan that works in conjunction with a Health Savings Plan (HSA). This plan allows members to put away tax-free dollars in an interest-bearing account that can be used to pay for deductibles and other qualified healthcare expenses. The funds in the account can also be rolled over from one year to the next. Qualified healthcare expenses may include everything from maternity care to contact lenses, gym memberships and dental treatments.
This plan includes:
- High Deductible options for Families - $3,000, $5,150 & $10,000
- High Deductible options for Individuals - $1,500, $2,600 & $5,000
- Quality major medical coverage for individuals ages 19 to 641/2 years and their families
- 80/20 or 100% coinsurance after deductible
- Pre-negotiated fees at participating physician offices, hospitals & pharmacies
- Preferred rates for qualifying applicants
- Preventive Care coverage
- Initial 12 month rate guarantee
- Healthy Lifestyle cash incentive
With the CelticSaver HSA Plan, there are two high-deductible health plans to choose from - with or without a doctor/hospital network.
Short Term Medical Insurance
Celtic's Short Term Medical Insurance offers affordable and benefit-rich health insurance coverage for individuals who are between jobs, college graduates, early retirees, and military discharges. Celtic Short-Term Gold and Silver plans provide flexible and inexpensive coverage for most injuries and illnesses after a deductible is met. This includes comprehensive medical coverage for inpatient and outpatient care, surgery, lab fees and doctor's office visits.
This plan includes:
- Temporary PPO health insurance coverage for individuals and families between the ages of 6 months and 641/2 years of age
- Inpatient and outpatient medical coverage, as well as surgical fees, doctor's office visits, and laboratory charges
- Choice of deductibles - $500, $1000, $2500 or $5000
- Choice of coverage duration, from 1 to 6 months and flexibility to apply for up to three terms or a total of 12 months of coverage
Crosspointe Insurance Advisors can help you choose the Celtic health plan that is right for you and your family. Contact us for more information and a free quote.