Founded in 1978, Celtic Health Insurance is based in Chicago, Illinois. Originally, Celtic Health Insurance began offering quality, affordable health insurance coverage designed for children, individuals and families. Today, they specialize in covering the needs of the individual health insurance market and they are known for their superior customer service.
Celtic Health Insurance has proven itself as a financially stable and strong company, and for the past 20 years has been Rated A – Excellent by A.M. Dedicated to serving the needs of members, Celtic Health Insurance has maintained its reputation for providing customer-oriented products and services at affordable prices that allow members to have control over their healthcare decisions.
Celtic Health Insurance has several different health insurance plans to choose from. The most popular plans include:
Celtic Basic Health Plan – this leading personal health insurance plan offers a high deductible with PPOs. This plan includes an 80/20 co-insurance and prescription medicine benefits. The Celtic Basic Health Plan is designed for self-employed, young individuals who are looking for affordable health insurance coverage.
CelticCare Preferred Health Plan – a comprehensive health insurance plan designed for children, adults and families. This plan offers flexible health care coverage with an 80/20 or 100% co-insurance option. Deductibles range from $500 to $5,000, with the option of adding on supplemental, accident and prescription medicine coverage. There are three different plans to choose from.
CelticSaver – this plan offers a high deductible major medical plan with the option to add on a Health Savings Account (HSA). There are two plans to choose from with deductibles ranging from $1,500 to $5,000 for individuals and from $3,000 to $10,000 for families. There is also an option to choose 80/20 or 100% co-insurance.
What Was Covered Now Isn't
I have severe neck and upper back pain due to arthritis for years. My coverage has, up till this year, allowed 2 visits per year to surgical center for epidural shots which dramatically ease the pain. All of a sudden, and without notice from Celtic, my pain doctor told me that my policy does not cover surgical center visits, but only hospital. My plan is the same, so I called Celtic. They told me that my coverage rolled over and they no longer cover surgical center expenses.