Celtic Health Insurance

When Applying Online, Celtic's $25 application fee is waived.
There is a $25 application fee when applying by mail.

CelticSaver HSA at a Glance:

Please view the CelticSaver HSA brochure  for complete details

*	The Primary Applicant cannot be claimed as a dependent on any tax return.

**	If PPO plan is chosen, out-of-network eligible charges reduced additional 20%.

***	Benefit will vary by state.

This information is presented only as a very brief overview of some of the benefits of this plan, and is intended only for general education.  The amount of benefits provided depends on the plan selected. Premium will vary with the type of benefits selected.  These plans contain exclusions from and limitations of coverage.  Please see the product brochure for more complete information, as well as information about terms of renew ability, preexisting conditions, out-of-network penalties, and notification requirements.  Plans are subject to health underwriting.  To be considered for reimbursement, expenses must qualify as covered expenses.  Expenses are also subject to reasonable and customary limits, unless you use a network, and all other policy provisions, including determinations of medical necessity.

Coverage Synopsis:

CelticSaver HSA PPO Plan

After you have met your deductible (one deductible for the entire family), the plan pays 100% of all covered expenses, up to $5 million per person.  This plan also covers wellness services up to $300 per year, after the deductible is met, including $50 for routine eye exams.  Chiropractic care is also covered, after the deductible has been satisfied, up to $500 per person, per calendar year.  Eligible expenses for medical services and supplies incurred for preventive care in an asymptomatic individual are covered up to $300 per insured person per calendar year.

CelticSaver HSA Managed Indemnity Plan

This plan offers you the same comprehensive coverage as above, with the flexibility to select the doctors and hospitals of your choice.  This plan is more popular in very rural areas where there may not be many doctors in the PPO network.

Full Credit for Meeting Prior Deductibles:  If you choose to replace your current insurance coverage with the CelticSaver HSA health plan, you'll receive credit for satisfying any portion of a previous carrier's deductible met during the same calendar year.  This valuable benefit is very rare to find in today's health insurance market.

These plans both qualify as HSA-eligible.  Combining a Health Savings Account with any CelticSaver HSA plan allows you to make tax-deductible contributions, pay medical expenses with pre-tax dollars, and earn tax-deferred interest.  This account works much like an IRA, except you may use your tax-free savings for qualified medical expenses your health plan does not cover, such as your deductible, dental, eyewear, and most types of alternative medicine (see the HSA qualified medical expenses page).  If you do not use these funds, they are always yours and continue to grow tax-deferred.

Optional Riders:

Supplemental Accident Coverage

Many of our customers add a supplemental accident plan to their coverage.  These plans cover a set amount ($2,000, $5000, or $10,000) for any accident, after a $100 deductible.  Having a supplemental accident plan can greatly reduce the exposure of a high-deductible plan.  These plans are not associated with Celtic Insurance Company, and must be purchased separately.  Complete information is available on our Accident Plans page.

Rates:

All deductible options have a 12 month rate guarantee.

Preferred rates without riders are available on our instant quote page. The quoted rates are for the $5 million maximum benefit, and do not include any optional benefits. Rates depend on gender, smoking status, zip code, and health status.

The premium can be paid via monthly quarterly, semi-annual, or annual billing, or a monthly bank draft. The bank draft will occur on the premium due date each month. The initial premium can be paid with a check or credit card. All monthly and quarterly billing includes an $8 fee per billing cycle.

PPO Network:

Celtic's PHCS network includes more than 320,000 physicians and ancillary care providers in 50 states and the District of Columbia, serving 1.3 million PPO members.  The nationwide Celtic PPO network assures you access even when traveling or relocating to another state.

Celtic also partners with the largest network of pharmacies in the country to give you prescription drugs at the lowest pre-negotiated rates.  Show your Celtic ID card at any of the 50,000 participating pharmacies nationwide and receive substantial savings on your prescription drug purchases.

Underwriting:

Underwriting of your application with Celtic normally takes two to four weeks, though again if medical records are ordered it could take longer.  Celtic is fairly lenient compared to many other insurance companies, and often accepts applicants who may have been turned down by other insurance companies.

It is standard practice to request a Blood Pressure Inquiry on all applicants who are currently being treated for or who have recently discontinued treatment for high blood pressure.  Certain conditions may be waived with a temporary rider (usually for one to two years), or an indefinite rider.

Effective dates:

The earliest your coverage can go into effect is the day after you have signed your application.  You may request an effective date any time between 1 and 60 days after you sign your application.

Please note, if you are requesting an effective date of less than 21 days from the time you complete the application, you may not receive notification of your approval until after your effective date.  If you have claims during this period, they will be eligible for coverage if submitted after you have been approved.  Also note that you will be billed starting on your requested effective date, even if you have not yet been notified that you have been approved.  This is very good for someone who does not have any present coverage and would like for their benefits to begin right away.  For those who are already covered, it is suggested that you maintain your current coverage in force until you have received notice from either HSA for America or directly from Celtic that your coverage has been approved and is in force.

Because underwriting can sometimes take 3 weeks or longer, if you do not currently have coverage we recommend that you apply for a Short Term plan.  This plan can go into effect tomorrow, giving you important protection until your new permanent plan is in place.

HSA Administrator:

Your health savings account is totally separate from your health insurance, and you may use any approved bank or trustee as your HSA administrator.  We recommend that you choose one from our HSA administrator page, where you can compare rates and features. 

About Celtic:

Celtic Insurance Company is headquartered in Chicago, IL.  Celtic began operating in 1978 as a broker, insurance and reinsurance company for group life and health coverage.  Today, the company has narrowed its focus and holds a strong commitment to the individual health marketplace.

Celtic has been assigned an "A-" (Excellent) rating from the A.M. Best Company, an independent insurance rating organization.  A.M. Best assigned this rating after a thorough quantitative and qualitative evaluation of a company's financial condition and operating performance.  For more than 10 years, Celtic has earned a rating of "Excellent" for consistently demonstrating profitable operating results, high-quality investment portfolio and favorable capital position.  Celtic holds no junk bonds, real estate or direct mortgage loans and maintains no outstanding debt.

HSA for America is an independent authorized Celtic agent. 

"Our medical insurance is now costing less than half of what it was before we got an HSA (we're saving over $3,500 a year in premiums), and we can save federal-tax free."

I very much appreciate what you have done for my wife and I.  HSA for America offered us a great variety of plans to choose from.  Our medical insurance is now costing less than half of what it was before we got an HSA (we’re saving over $3,500 a year in premiums), and we can save federal-tax free.

HSA for America provides outstanding service.  Most other companies have you on hold and entering numbers on the phone until you are completely fed up.  While you provide all the questions and answers.  I did not even have to ask questions - you have provided all the questions and answers for me.

I talk very favorably to my friends about your company.  Thank You!

Beryl Sanders
Loomis, CA

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