Celtic Insurance Company or Celtic is dedicated to providing
quality insurance policies to its members with excellent service.
Celtic Insurance Company is financially stable and committed to
providing cost competitive products. Celtic provides insurance to
thirty-six states, including Alaska.
Celtic Basic: This plan offers members a basic HMO managed-care
plan with high deductibles and low premiums. Members can choose
physicians and other healthcare providers from an approved network
without needing referrals, and are able to choose non-network providers
at a higher cost. Coverage includes inpatient and outpatient hospital
services, preventative care, and home health care. When enrolling,
members can choose from several deductible options. Coinsurance
is 80/20 with $30 copays for office visits.
CeltiCare Select PPO: Members pay a $15 copay to any
network healthcare provider. Members can choose from several deductible
options when enrolling, with a choice of 80/20 or 100% coinsurance.
This is a high quality health insurance program.
CelticCare "Any Doc" PPO: Members pay a
$35 co-pay for any office visit. Members can save money by using
network member hospitals.
CeltiCare Managed Indemnity: Members can choose any
healthcare provider they wish, network member or not.
CelticSaver HSA PPO (Doctor and Hospital): This is a high
deductible, low premium policy where members pay their approved
medical bills with pre-tax dollars accrued in a Health Savings Account. Because any funds deposited in this account are tax-exempt, this option may save you money on your
income taxes. With this plan, you will receive additional savings
by using network healthcare providers.
Celtic Save HSA Managed Indemnity (No Network): This plan is
similar to CelticSaver HSA PPO in that you will have a high deductible,
low premium policy. You will also be able to spend pre-tax dollars
on approved medical expenses. However, with the Managed Indemnity
Plan, you will be able to choose any healthcare provider.
Celtic Insurance Company Ratings
A.M. Best: A- or Excellent (2007)
Ratings are independent opinions based on a quantitative and qualitative evaluation of a company's financial strength, operating performance and business profile.
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In 2005 $2 trillion was spent on health care services in the United States. On average, each person was responsible for a total annual health care bill of $6,700. Is your health insurance plan working for you and your family?
Source: National Coalition on Health Care. Catlin, A, C. Cowan, S. Heffler, et al, "National Health Spending in 2005." Health Affairs 26:1 (2006).
Health care costs in the United States rose an unprecedented 6.9% in 2005, more than double the rate of inflation. These costs are expected to rise at similar levels for the next decade. Protect your health and your wallet by investing in a health insurance plan that is right for you.
Source: National Coalition on Health Care. Catlin, A, C. Cowan, S. Heffler, et al, "National Health Spending in 2005." Health Affairs 26:1 (2006).
A 2003 study by The Henry J. Kaiser Family Foundation determined that over one third of uninsured adults reported having trouble paying their medical bills. Safeguard yourself and your family against future debt by finding a high quality health care plan.
Source: The Henry J. Kaiser Family Foundation. Access to Care for the Uninsured: An Update. 29 September 2003.
