Health care costs are becoming very expensive day by day with the advancement in the medical care and the treatment procedures. In the event of serious illness and injuries, medical bill could go really high and may not be affordable to most of the people. Health insurance providers help the customers to pay their medical bill. People who have health insurance coverage have peace of mind as they know that they can always get any required medical care without paying hefty sum.

There are hundreds of insurance companies in the US that offer various kinds of health insurance coverage plans. Celtic health insurance is one among them. Celtic is one of the major providers of individual health insurance plans in the United States. Celtic health insurance came in to existence in the year 1978 in Chicago.

Celtic originally started the business by providing group insurance, life insurance and individual health insurance. But, over the years they changed the offerings based on the customer’s needs. Today, Celtic health insurance offers mainly individual health insurance. Celtic Health Insurance Company is licensed to provide insurance to all the states in the US except Hawaii. They offer wide range of benefits and plans to meet the diverse needs of people from various categories. Celtic individual health insurance is ideal for individuals, families, self-employed and for the students. Today, they are one of the emerging specialty health insurance companies in the country that provides health insurance coverage for more than 90,000 members. Celtic Health Insurance Company is known for its high-quality products and positive reputation. That is the reason they are rated “A-” by the company A.M Best, an insurance rating agency that defines the financial strength of the various insurance companies.

Celtic provides their customer with innovative, customer oriented products and services that are easy to understand and use. They also provide learning tools to their customers in order to understand the details of the benefit plans and to select the right choice from various plans. These online learning tools also make it possible to find the participating health care providers and refilling the prescription medicine.  Any US citizen or a foreign resident, who has been living in the US for 2 years are eligible for applying for Celtic health insurance. Celtic insurance covers the age group between 6 months and 64 ½ years. Enrollment to Celtic is made easy with online application. Just by answering a few questions, one can check their eligibility to be a member.

Celtic health insurance provides various kinds of individual health care plans. Most of the Celtic health insurance plans follow PPO (Preferred Provider Organization). Some of the Celtic individual health insurance plans include Basic health coverage, Comprehensive health plan, Short term medical insurance and Student health insurance. Celtic also offers HSA qualified health plans.

Celtic basic health coverage- This is a low premium plan. Basic health coverage plan offers a basic benefit structure. The basic plan covers 2 doctor visits per year with $30 co-pay and $200 wellness benefit which is eligible after 12 months of Celtic basic plan coverage. Basic plan operates within the PPO network with 80/20 coinsurance. The deductible choices are $1,500, $2,500 or $5,000. The maximum lifetime coverage under this plan is $5 million. Celtic basic health coverage plan is ideal for individuals who want quality health care coverage with minimum premium. Self-employed individuals and young adults prefer this health insurance plan.

Celtic comprehensive health plan- There are three types of Celtic comprehensive health plans that customers can choose from. They are Celticare preferred select PPO, Celticare preferred “Any Doc” PPO and Celticare preferred managed indemnity. Comprehensive health plan covers people aged between 6 months and 64 ½ years and their families. In this plan consumer can go for either 80/20 coinsurance or 100% coinsurance. Deductible offered under comprehensive health coverage plan are $500-$5000. While Celticare preferred select PPO operates within hospital and doctor network, the Celticare preferred ‘Any Doc’ PPO offers the flexibility of selecting the doctor as per the costumer’s preference. Only the hospitals should be within the network to get the full benefit of the plan. Celticare preferred managed indemnity gives complete liberty to the costumer to choose the doctor as well as the hospital. Among the three plans of comprehensive health care Celtic preferred select PPO plan offers minimum premium and $15 co-pay per doctor visit and $20 co-pay for generic prescription drugs. “Any-Doc” plan also offers $20 co-pay for prescription drugs. However, the doctor visit co-pay is $35

HSA qualified health plans- HSA qualified health plans like CelticSaver HSA is high deductible plan with the option to open a Health Savings Account (HSA). These policy holders are entitled for unique tax advantages. High deductible plan for individuals and families vary. HSA qualified health coverage is only for people aged between 18 years and 64 ½ years. This plan also offers PPO and HSA managed indemnity.

Short term medical insurance and Student health insurance are ideal as temporary health insurance for people who are either students or are just in between college and their first job.

Celtic provides quality benefits, expert service and affordable plans. That is the reason why they are considered as the leading specialty health insurance company in the United States.