Celtic Health Insurance Company
The Celtic Health Insurance Company offers quality health insurance plans at reasonable prices. The Company holds an A-rating with A.M. Best, and has maintained this rating for the past 20 years. Celtic Health is a company that offers insurance products to individual policyholders and families, as well as people who are self-employed. Here are some other facts about this insurers to help you decide if Celtic, or some other insurance company, will best meet your coverage needs.
Be sure to check out the user submitted reviews of Celtic Health Insurance at the bottom of this page after you read through this main guide to Celtic Health Insurance Company. If you have have had any experience with Celtic yourself then be sure and leave them a star rating and write your own personal Celtic Insurance review at the bottom of this page.
After you have read through the Celtic Health Insurance reviews then use our free health insurance quote finder to compare quotes from top health insurance providers online for free. Simply enter your zip code into the box at the top right of this page to get started.
Celtic Basic Health Plan
If you choose the Celtic Basic Health Plan for your needs, you get a quality Preferred Provider Organization (PPO) plan with a nationwide network. Celtic Health keeps this option affordable for the public by offering different deductible levels. You can set your deductible at $1,500, $2,500 or $5,000, depending on how much of your health care costs you are prepared to pay for yourself. The Basic option gives you 80/20 coinsurance once you meet your annual deductible. This plan also gives you a lifetime limit of $5 million in lifetime coverage. You have the option of adding prescription drug coverage as well.
CeltiCare Preferred Health Plan
The CeltiCare Preferred Health Plan is a good choice for the self-employed, as well as people who are looking for coverage for themselves and their families. This option gives you the flexibility to get 100% coverage, as well as an 80/20 coinsurance plan. You can choose a deductible at a level between $500 and $5,000, depending on your needs.
Within the plan itself, you can choose to go with a Select PPO plan where you get maximum benefits paid when you see a doctor or get care from a hospital that is a member of the network. Co-pays for this plan are set at a low rate of $15 per visit.
If the Select PPO doesn’t meet your needs for flexibility in your choice of healthcare provider, you have two options. First, you can consider the CeltiCare Preferred “Any Doc” PPO. With this option, you don’t have to change doctors to be covered. You have the freedom to seek treatment from any doctor you want, and pay a higher $35 co-pay for each visit. Policyholders who choose this plan get better coverage levels if they go to a participating hospital for care. Or, for customers who are looking for a traditional major medical health insurance plan, consider the CeltiCare Preferred Managed Indemnity plan. This no-network option means that you can seek treatment from the doctor or hospital of your choice.
CelticSaver HSA Qualified Health Plan
The CelticSaver HSA (Helath Savings Account) Qualified Health plan combines a high-deductible health insurance plan with a savings account. The funds in the savings account collect interest on a tax-free basis until you withdraw them to pay for health care expenses. As long as you use the funds for this purpose, you can access them on a tax-free basis. The CelticSaver plan gives adults between the ages of 18 and 64 1/2 a lifetime maximum of $7 million in coverage. Deductibles for the Celtic Saver range from $1,500 to $5,000 for individuals and $3,000 to $10,000 for families. You can choose an 80/20 coinsurance or 100 percent plan after you reach the deductible level you have chosen.
Celtic Short Term Health Insurance
When you are in a situation where you are between jobs, are waiting for an employer-sponsored health insurance policy to start, or you have just graduated from college or university, you may want to consider Celtic Health’s short term insurance. People who are close to retirement may also benefit from a policy that will cover them until they reach retirement age.
This plan offers coverage for one month up to a six-month term. Policyholders have the option of renewing their coverage for a period if they wish. Celtic will allow an insured to apply for up to a total of 12 months of coverage under a temporary policy.
Choose the level of deductible that makes sense to you: $500, $1,000, or $2,500. The policy covers visits to a doctor, inpatient and outpatient care from a hospital, surgery, and laboratory tests. When you choose short term health insurance from Celtic Health, you don’t need to submit complicated claim forms. Payments are made promptly and you can choose to pay your premium by credit card if you wish.
Compare Celtic Health Insurance Quotes Online
The Celtic Health Insurance Company offers its customers several low-cost health insurance plans. You can continue to explore your health insurance options by using the insurance tool on the top of this page. The quote tool is absolutely free, and all you need to do to get started right now is to click on it and you will be comparing quotes from various health insurance companies in no time. Get started now!
8 Comments to “Celtic Health Insurance Company”
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M Schulz says:
“I had the same problem as Therese Murray. I called to cancel my policy the same day it was approved due to an elimination rider put on the policy. They told me to send a request in writing. I was told I would receive a full refund if cancelled within 20 days of approval. I faxed them a letter stating my cancellation.
A few weeks later I got a letter in the mail (mind you that they waited until AFTER the 20 cancellation period to send this letter) stating that my cancellation could not be completed due to lack of signature on the bottom of the fax.
I called Celtic and they said that the cancellation did not become effective until the date I sent a signed fax and would not be getting a refund for my $168.96!!! I am considering taking legal action – even though it is only $169, it is the fact that they are trying to scam people like this!”
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Cindy Vachon says:
“Extremely disappointed.
You cashed my check for health insurance coverage for a different time period than my application was for. That left me without health insurance and by law, I’m suppose to have it and I paid for it. You cashed my check, you ratified a contract and you are at fault. You will see my name again.
As far as rating this plan, I am disgusted with the quality of service and they have put me as risk. I believed I had healthcare coverage for over 2 weeks. And I just found out that I’m not insured. Nice!!! You had no problem cashing my check!!!!
Never ever use Celticare!!!!!! Loser company all the way !!!!!
Cindy Vachon”
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C F says:
“This company is a JOKE! Do not, do not, do not use them. They deny claims constantly.
I have to call every single time to see why and they never know the answer. It’s always..we’ll run it back through. My husband is seriously considering cancelling the policy and just dealing with what comes. Absolutely ridiculous excuse for an insurance company.
I don’t have time to call them over and over with the amount we are paying. We are hoping his company adds insurance soon so we can get out of this policy. If you’re thinking about using them…RUN.”
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Left something out. Not only do they deny most claims, the ones they do pay are never paid fully. Example: the benefits sheet states ER – $250 copay(waived if admitted). It says nothing about deductible, coinsurance, etc. Well, they are refusing to pay an er claim. We paid the $250 and have received an $800 bill. I spoke with Celtic and they claim that we have to pay for test, etc.
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Sean says:
The only time I went to a doctor, they didn’t help pay for anything and I got charged with all the bills.. They mishandled a payment, tried to double charge me, and then a month later says I still owe them money for past payments when I’m trying to cancel, and I’m sitting here looking at the receipt for the payment.. And their customer service refuses to listen.
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Ashley says:
“My husband was diagnosed with a serious medical condition shortly after we first purchased a policy with Celtic Insurance. We went through our $10000 deductible in less than 3 weeks. Since then, I have haggle with Celtic over various bills numerous times. I have even had to get our state’s insurance overseer to intervene when Celtic refused to cover expenses they are required to pay for under state law.
I cannot believe the amount of time I and others have had to spend dealing with these unpaid claims, or what an inefficient company Celtic is. I would not recommend Celtic Insurance to anyone.”
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Arthur Kennedy says:
“Every month they refuse to fill any prescription that is expensive I had to stop taking my gout meds every day now I take it every other day just to avoid dealing with these scabs; they also refuse my pain meds my nexium calls for $30 a month they give me six. WHERE IS THE OVERSIGHT? These morons due this constantly to all of us no one does anything.
– A Kennedy”
“I went through e-health insurance to get a 1-month bridge policy for me and my son while between jobs. Once I was approved they told me that I wouldn’t be eligible for coverage until a week after I was eligible for coverage at my new job, mind you this was weeks away.
I called e-health insurance and they gave me an email address to send a note to tell them the situation and they told me that I would be canceled and reimbursed. I sent 3 emails with no response. I finally called them and explained my situation to a PERSON named Naomi. She told me that my email was sent within the timeframe that would allow a refund. She called me back at work 5 minutes later, gleefully telling me that “”we have you on a technicality”” you didn’t type your full name at the end of the email that you sent us to cancel. ARE YOU KIDDING ME???
No one ever told me to do so, and does it matter? And shouldn’t they have reached out to me when they noticed that I didn’t sign my name? NO, they waited until their cancel timeframe ended…Or, do they think that someone hacked my email and maliciously canceled my health insurance to sabotage me? I asked for a manager to call to discuss 3 x and have not yet received a call.
This is a VERY DIRTY company!!!! STAY AWAY! There are way better options out there. e-health insurance should be more careful as to whom they use to represent them!”