Celtic Insurance Company

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Celtic Insurance Company offers a nationwide PPO network with medical providers in all 50 states. The Celtic Insurance Company (rated "A-" or Excellent by AM Best) is headquartered in Chicago, IL and focuses primarily on the individual health insurance marketplace.

As with all carriers in the individual health insurance market, the Celtic Insurance Company has the right to accept, decline or waiver (not cover) any condition. Celtic's underwriting process is thorough and can take several weeks, however they may occasionally accept applicants that have been turned down by other health insurance carriers. Rates depend on gender, smoking status, zip code, and health status. Call our office for additional information on this carrier and their products.

Harmony Insurance Benefits is an independent authorized Celtic Insurance company agent in Colorado.

Celtic Insurance Company offers two plans:

1. The Celtic Basic PPO insurance plan offers quality, basic health insurance coverage at affordable rates to fit most budgets. It is a no-hassle PPO with 80/20 coinsurance, maximum lifetime protection of $5 million, two $30 copay office visits per year, with a $200 wellness benefit included. This plan has either a Copay Drug Card option or a free Rx Discount Card. You can choose deductible amounts of $1,500, $2,000 or $5,000 after but all have an 80/20 coinsurance (up to $10,000). The Celtic Basic PPO comes with a 12 month rate guarantee.
2. The CelticSaver HSA health insurance plan is a qualified high deductible health plan designed to provide you with major medical coverage including up to $7,000,000 of health insurance protection, combined with a Health Savings Account (HSA) option to make your health plan even more affordable.

There are five different CelticSaver HSA health insurance plans to choose from and The CelticSaver HSA plans are offered to ages 18 - 64½ years and come with a 12-month rate guarantee.

HSA's offer a way to purchase a health policy and save money tax-free. Contributions to your HSA fund are Tax Deductible up to the IRS allowed maximums. Your HSA money earns interest Tax Deferred and rolls over year after year and withdrawals from your HSA fund used for qualified medical expenses are Tax Free.

This information is intended for education purposes only. Carrier's products can differ in coverage amounts, network providers, limitations of coverage, plan exclusions, etc, therefore every reader is encouraged to call our agency for health plan-specific information, which can easily be made available. Be sure to view the Carrier's brochure and other material BEFORE you apply. Medical expenses must qualify as medically necessary and covered expenses to be considered for reimbursement. Use of a network provider is necessary to avoid reimbursement that is limited to reasonable and customary limits.