Celtic Insurance Company offers a broad range of plans to individuals throughout the country, with quality coverage from a company that has been in business since 1978. Individual health care plans available from Celtic are highly consumer-oriented and tend to have a low cost of services. Their products range from basic to abundant with benefits, depending on the plan you choose. Though all varieties of Celtic coverage may not be available in each state, you can most likely find a plan that suits your budget and health care needs.

Coverage is available in the following states through Celtic: Alabama, Alaska, Arkansas, Arizona, California, Connecticut, Colorado, Delaware, Florida, Georgia, Illinois, Indiana, Iowa, Kansas, Louisiana, Michigan, Mississippi, Missouri, Nebraska, New Hampshire, New Mexico, North Carolina, Ohio, Oklahoma, Pennsylvania, South Carolina, South Dakota, Tennessee, Texas, Washington D.C., Wisconsin, and West Virginia.

Celtic health insurance for individuals and families works through three types of plans: Economical Basic Health Coverage, Comprehensive Health Plan, and an HSA Qualified Health Plan. The following is a synopsis of the individual health insurance plans offered by Celtic.

  • Celtic Basic, a PPO plan which offers economical rates with a strong set of covered benefits, such as two doctors office visits per year for a $30 copay, preventive care, prescription medications, and in certain states coverage for vision and eye care. This plan also offers the benefit of a wellness program to promote healthy living, and the option of either a 70/30% or 80/20% coinsurance paired with a variety of deductible options. The Celtic Basic plan is an optimum selection for those who are comfortable paying coinsurance and copays for visits, an annual deductible, and a low monthly premium to ensure they are receiving a core set of benefits.
  • CeltiCare Preferred, a comprehensive  health plan for individuals and families that can adapt to your preferences and personal needs. This type of plan offers a range of coverage choices for individuals between the ages of 19 and 64 and their families, with deductibles from $1,000 to $10,000. Covered benefits through this plan include preventive care, vision (in certain states), and prescription medications, and you have the ability to choose coinsurance of either 80/20% or 100%. Comprehensive plans from Celtic can feature add-ons like their Prescription Drug Option, Supplemental Accident Option, and term life insurance in some states. CeltiCare Preferred is divided into three plans: Select PPO, which includes a doctor and hospital network; Any Doc PPO, a hospital network with the freedom to select your own physicians and specialists; and Managed Indemnity, a traditional plan with out a network and leaves the policy-holder in control of the doctors they wish to see.
  • CelticSaver HSA, the health savings account (HSA) qualified plan from Celtic, which uses a high deductible. These plans allow for increased direction from the policy-holder over their medical spending, and can be very beneficial when planning for the future. The funds in an HSA are tax-free and may only be used for qualified health care costs, such as services not covered by your plan or other instances of cost-sharing. Individuals can choose from deductibles from $1,500 – $5,000, and $3,000 – $10,000 for families, and either 80/20 or 100% coinsurance after the deductible has been met.  There is a choice of two high deductible plans from Celtic: HSA PPO, which includes a doctor and hospital network and the ability to utilize in-network discounts; and HSA Managed Indemnity, which is not tied to a network and the individual can choose their own providers entirely.

For more information on what plans are available in your area, and how much they will cost for you and your family, get a quick quote and compare Celtic to other companies near you.