with OnlineAdviser^TM enrollment support by MedSave.com

Celtic Individual Health Insurance

 America's choice for top quality coverage for healthy applicants. Celtic is a major provider of individual health insurance plans nationwide with quality coverage tailored for kids, individuals and families in all stages of life.

Instructions   FAQs   News and Updates    About Celtic Life   Site Map   Contact Information  

Personal enrollment support by OnlineAdviser^TM at onlineadviser@celticenrollment.com. 

Get Rates and Apply Online:

Celtic Short Term Health Insurance - Secure online enrollment in less than 5 minutes!  The lowest cost coverage for individuals and families while between jobs or when changes in life events means that health insurance coverage is also likely to change within a year.  This insurance Includes coverage for doctor visits, hospitalization and surgical fees, emergency coverage (both inside and outside  of the U.S.) and prescription drug coverage. 1 to 12 months coverage is available (each policy is limited to a maximum of 6 months). All plans include access to the national Private Health Care Systems (PHCS) preferred provider network.  Next day coverage is available.  Apply online with no application fee.  Coverage is available AL, AR, AZ, CA, CT, DC, DE, FL, GA, IA, ID, IL, IN, MD, MO, MS, MT, NC, NE, NM, NV, OH, OK, PA, TN, TX, VA, WV, WI, and WY. All policies exclude coverage for pre-existing medical conditions.

Celtic Basic Health Plan -Secure online enrollment in less than 20 minutes!   Low cost long term individual health insurance for individuals and families with lower rates and applications submitted directly online.  All plans include access to the national Private Health Care Systems (PHCS) preferred provider network.  Coverage is available AK, AL, AZ, CA, CO, DC, DE, FL, GA, IA, IL, IN, KS, LA, MI, MS, MT, NC, NE, NH, OH, OK, PA, SC, SD, TX, WV, WI, and WY. All policies exclude or limit coverage for pre-existing medical conditions.

CeltiCare, CeltiCare Preferred and CeltiCare II Health Plans -Secure online enrollment in less than 20 minutes!   Highest level of long term protection for individuals and families with rates and applications submitted directly online.  All plans include access to the national Private Health Care Systems (PHCS) preferred provider network.  $7 million maximum lifetime maximum, healthy lifestyles program, $200 first-dollar annual lab benefit.  Coverage is available in 46 states. All policies exclude or limit coverage for pre-existing medical conditions.

CeltiSaver HSA - Health Savings Account Qualified Insurance -Secure online enrollment in less than 20 minutes!   Long term individual health insurance that complies with health savings account requirements for individuals and families with rates and applications submitted directly online.  All plans include access to the national Private Health Care Systems (PHCS) preferred provider network.  Coverage is available in AK, AL, AZ, CT, DC, DE, FL, KS, GA, IL, IN, MS, MO, MT, NC, ND, NH, NM, SC, SD, TN, TX, WV, and WY.  All policies exclude or limit coverage for pre-existing medical conditions.

Health Plan Listings by State: 

("CeltiCare" refers to the CeltiCare I or CeltiCare II policy versions approved in each state.  "Health Savings Account Plan" refers to CelticSaver policy versions approved in each state).

Alaska (AK) -  CeltiCare, Celticare Preferred, Basic Health Plan, Health Savings Account Plan

Alabama (AL) - short term health insurance, CeltiCare, Basic Health Plan, Health Savings Account Plan

Arkansas (AR) - short term health insurance, CeltiCare, Celticare Preferred

Arizona (AZ)  - short term health insurance, CeltiCare, Celticare Preferred, Basic Health Plan, Health Savings Account Plan

California (CA) - short term health insurance, Basic Health Plan, state specific plan

Colorado (CO) - CeltiCare, Celticare Preferred, Basic Health Plan, Health Savings Account Plan

Connecticut (CT) - short term health insurance, CeltiCare, Health Savings Account Plan

District of Columbia (DC) - short term health insurance, CeltiCare, Celticare Preferred, Basic Health Plan, Health Savings Account Plan

Delaware (DE) - short term health insurance, CeltiCare, Celticare Preferred, Basic Health Plan

Florida (FL) - short term health insurance, CeltiCare, Basic Health Plan, Health Savings Account Plan

Georgia (GA) - short term health insurance, Basic Health Plan, state specific plan, Health Savings Account Plan

Hawaii (HI) - not available, see MedSave for alternatives

Iowa (IA) - short term health insurance, CeltiCare, Basic Health Plan, Health Savings Account Plan

Idaho (ID) - short term health insurance only

Illinois (IL)  - short term health insurance, CeltiCare, Celticare Preferred, Basic Health Plan, Health Savings Account Plan

Indiana (IN) - short term health insurance, CeltiCare, Celticare Preferred, Basic Health Plan, Health Savings Account Plan

Kansas (KS) - short term health insurance, CeltiCare, Celticare Preferred, Basic Health Plan

Kentucky (KY) - not available, see MedSave for alternatives

Louisiana (LA) - short term health insurance, CeltiCare, Celticare Preferred, Basic Health Plan

Maryland (MD) - short term health insurance only

Maine (ME) - not available, see MedSave for alternatives

Michigan (MI) - CeltiCare, Celticare Preferred, Basic Health Plan, Health Savings Account Plan

Minnesota (MN) - not available, see MedSave for alternatives

Missouri (MO) - short term health insurance, CeltiCare, Celticare Preferred

Mississippi (MS) - short term health insurance, CeltiCare, Celticare Preferred, Basic Health Plan, Health Savings Account Plan

Montana (MT) - CeltiCare II, Basic Health Plan, HSA

Nebraska (NE) - short term health insurance, CeltiCare, Basic Health Plan, Health Savings Account Plan

New Hampshire (NH) - CeltiCare II, Basic Health Plan, HSA

New Jersey (NJ) - see MedSave

New Mexico (NM) - short term health insurance, CeltiCare, Basic Health Plan, Health Savings Account Plan

New York (NY) - not available, see MedSave for alternatives

Nevada (NV) - short term health insurance, CeltiCare

North Carolina (NC) - short term health insurance, CeltiCare, Basic Health Plan

North Dakota (ND) - not available, see www.medsave.com for possible alternatives

Oklahoma (OK) - short term health insurance, CeltiCare, Celticare Preferred, Basic Health Plan, Health Savings Account Plan

Ohio (OH) - short term health insurance, CeltiCare, Celticare Preferred, Basic Health Plan, Health Savings Account Plan

Oregon (OR) - not available, see www.medsave.com for possible alternatives

Pennsylvania (PA) - short term health insurance, Basic Health Plan, state specific plan, Health Savings Account Plan

Rhode Island (RI) - not available, see www.medsave.com for possible alternatives

South Carolina (SC) - CeltiCare, Celticare Preferred, Basic Health Plan

South Dakota (SD) - CeltiCare, Celticare Preferred, Basic Health Plan, Health Savings Account Plan

Tennessee (TN) - short term health insurance, CeltiCare, Celticare Preferred, Basic Health Plan, Health Savings Account Plan

Texas (TX) - short term health insurance, CeltiCare, Celticare Preferred, Basic Health Plan, Health Savings Account Plan

Utah (UT) - not available, see www.medsave.com for possible alternatives

Vermont (VT) - not available, see www.medsave.com for possible alternatives

Virginia (VA) - short term health insurance, state specific plan

Washington (WA)  - not available, see www.medsave.com for possible alternatives  

Wisconsin (WI) - short term health insurance, CeltiCare, Celticare Preferred, Basic Health Plan, Health Savings Account Plan

West Virginia (WV) - short term health insurance, CeltiCare, Celticare Preferred, Basic Health Plan, Health Savings Account Plan

Wyoming (WY) - short term health insurance, CeltiCare, Celticare Preferred, Basic Health Plan, Health Savings Account Plan

News and Updates

7/30/08 Recently updated application forms are available online for download from the Site Map page. These forms are in PDF format and can be mailed to Celtic Enrollment, P.O. Box 102 Narberth PA 19072 or faxed to (800) 609-0683 for submission. We strongly urge use of the secure online enrollment method rather than the downloaded application forms,

7/1/08 Two New Health Plans: CeltiCare Preferred and Enhanced CelticSaver HSA - Continuing its bid to be the insurer of choice for discriminating and affluent individuals who buy their own health insurance, Celtic Insurance introduced two new "high end" health insurance plans with even more benefits than earlier policy forms. The new policies are currently approved in AK, AR, AZ, CO, DC, DE, IL, IN, KS, LA, MI, MO, MS, OH, OK, SC, SD, TN, TX, WI, WV, WY for introduction this summer.  The plans will be introduced in additional states as they are approved. Follow the links above for highlights of coverage. Full details are included on the quoting and enrollment pages.

4/27/08 Health Savings Account insurance quoting and enrollment is now available directly from the link on this Web page. A technical error previously directed applicants to locate a local insurance agent.

4/4/07 Montana products temporarily removed - Celtic Insurance Company issued a statement this week saying that all of its insurance products are temporarily withdrawn from the state. The statement continued "“We are currently in discussion with the Montana Department of Insurance to gain new product approval for our filing. We are working closely with the Department to ensure a quick reentry into the Montana market.” The move does not affect previously issued policies.

4/1/08 Premium Rates Reduced in Many States - Individual and family health insurance rates in many states are lower for new policies issued effective today. The rate reductions went into effect for AK, AL, AR, CA, CT, DC, FL, GA, IL, IN, IA, LA, MO, MT, NE, NM, OH, PA, SC, TN, TX, WV, WI and WY. The insurance company requested lowered rates for 2008 partly because claims were lower than expected in 2007.  Rate changes must be approved by each state's insurance department before they can be offered to the public. Celtic's most popular renewable health insurance plans are "CelticSaver HSA" with a high policy deductible that qualifies for a health savings Account and "Celtic Basic" that provides essential PPO coverage including affordable Rx coverage and doctor visits at a low premium cost. Celtic Insurance traditional (but more expensive) health insurance are increasingly favored by affluent buyers who appreciate the company's stability and service reputation.

3/18/08 Centene Acquires Celtic Group - Celtic Group announced today that it will be acquired by managed care company Centene Corp. Chicago-based Celtic Group Inc., the parent company of Celtic Insurance Company., will continue to operate under its current brand and the operations will remain at its Chicago headquarters. Frederick Manning will remain with the organization as president and CEO of Celtic and executive vice president of Centene. The corporate reorganization is not expected to effect Celtic Insurance products for individuals and families. Centene is based in St. Louis-based and operates health plans in Georgia, Indiana, New Jersey, Ohio, Texas and Wisconsin as well as providing managed care programs and related services to individuals under Medicaid. The acquisition is expected to result in increased economies in managing health care costs and enable Centene to address the full scope of options for the growing number of uninsured individuals in these market areas.

2/18/08 Celtic Insurance featured in industry blog - Celtic Insurance was featured on the short term medical insurance blog at http://short-term-medical-insurance.blogspot.com/ in an article about low priced short term medical insurance.

2/5/08 Rate reduction - Celtic Insurance reduced premium rates for the Celtic Basic and CelticSaver HSA health plans in select states and zip codes. Two of the biggest age group markets for individual health insurance – those under 30 and over 50 years of age – will receive the steepest rate reductions.

Rate reductions will take effect on April 1, 2008 in AK, AL, AZ, AR, CA**, CT ***, DC, FL, GA, IL, IN, IA, LA, MO***, MT, NE, NM, OH, PA, SC, SD, TN, TX, WV, WI, and WY. Lower rates will be quoted after March 1, 2008 for effective dates of coverage beginning May 1, 2008 in CO, DE, KS, MI, MS, NH, and OK.
* Rx option only in MT.
** CelticSaver HSA is not available in CA.
*** Celtic Basic is not available in CT and MO.

1/10/08 Streamlined Enrollment - A number of updates to enrollment procedures are adapted:

4/1/07 Prescription Benefits Expanded - Rx Benefits are added in AK, CT, GA, IN, MD, MS, NH and TN. As of April 1, 2007, a prescription drug benefit is now included in the base plan for the CeltiCare II plan in Alaska, Connecticut, Georgia, Indiana, Maryland, Mississippi, New Hampshire and Tennessee. A prescription drug benefit is now included in the base plan for the Celtic Basic products in Alaska, Georgia, Indiana, Mississippi, New Hampshire and Tennessee. See "Prescription Drug Benefits for 2007" for a summary explanation of the benefits.

2/20/07 Health Savings Account Limits - HSA contribution allowances are increased for 2007. The maximum contribution is $2,850 for single coverage plans and $5,650 for family coverage plans, regardless of the health plan deductible (as long as the policy meets HSA legal requirements). Individuals over age 55 can make an additional catch-up contribution of $800. For 2007, the contribution is not decreased if insurance coverage is started mid-year as long as the individual is covered on December 1 of this year and remains insured for all of the following year.

2/1/07 Prescription drug coverage is now included in short term medical insurance plans for policies issued to Maryland residents. This affordable high-benefit coverage is useful for those between jobs, college graduates, self-employed individuals, early retirees, military discharges and those waiting for Medicare coverage to begin. Prescription drug coverage is already included in all short term medical insurance plans issued in other states. Many other short term medical insurance plans do not include prescriptions under the basic plan but cover prescriptions on a separate discount plan.

1/1/07 Prescription Drug Benefits are expended for all Celtic Basic and Celticare II policies in approved states.  Click here for details.

10/25/06 Independent agent Tony Novak was quoted by Celtic Insurance in an interview saying "Based on its quality reputation, Celtic is a company consumers ought to be looking at. If I were buying basic benefit individual health insurance today, I would buy Celtic Basic."

9/30/06 Up to three short term medical insurance polices are now allowed for a total of up to 12 months of coverage.

7/1/06 There is a new claims address effective immediately for all policies:  Celtic Insurance Company, P.O. Box 33839, Indianapolis IN 46203-0839.  All policyholders will be mailed new ID cards with the new address.

6/21/06 Two educational articles from Celtic Insurance are re-posted here: "Understanding the Rising Cost of Health Care" and "Consumer Driven Health Plans"

6/5/06 Health Savings Account plans are now available in Montana.

5/16/06 To save time on determining your eligibility for Celticare, call the pre-screen line at (800) 477-7990, option 4 or submit a pre-screen request online.  The underwriter will review your medical history and respond within 24 hours.

4/17/06 Tennessee residents are now eligible for CeltiCare II and CeltiCare Health Savings Account plans.

4/1/06 Michigan, Indiana and Ohio residents are now covered under the PPOM network instead of the PHCS preferred provider network that is utilized in all other states.  Because of the breadth of medical providers in this network, this switch is not expected to have any limiting effect on the large majority of Michigan policyholders.  New provider directories are available online from the quoting page.

2/1/06 All Celtic Insurance policies are administered by Affiliated Computer Services Inc. (ACS).  The policyholder service numbers remain the same as posted on individual member ID cards.

1/1/06 All CeltiCare and Celticsaver policies now offer a $7 million lifetime maximum coverage.  This is substantially more than most other health insurance policies.

8/11/05 The full line of Celtic Insurance plans was just approved for residents of Florida rates are available online now for insurance with an effective date of September 1 or later.

8/10/05 - Coverage is now available for occupations considered "high risk" by many health insurers including bartenders, interstate truckers, firefighters, musicians, police officers, roofers, and those working with hazardous materials.  Coverage is offered at rates about 25% higher than for "preferred risk" applicants.  See www.celticenrollment.com for more information.

7/28/05 - Celtic Basic Health Plan is now available in 23 states.  This plan is now available in AK, AL, AZ, CT, DC, DE, KS, FL, GA, IL, IN, MS, MO, MT, NC, ND, NH, NM, SC, SD, TX, WV, and WY.  This is a low cost health insurance plan that includes a no-hassle PPO with 80/20 coverage, two doctor visits per year with only a $30 co-pay, $200 wellness benefit, free discount drug card or optional co-pay drug card, and easy online application.  See www.celticenrollment.com for more information.

4/8/95 - A short article highlighting the features of the Celtic Basic Health Insurance plan is posted at http://www.celticenrollment.com/Celtic-basic-health-insurance.htm

4/5/05 - A short article highlighting the features of the HSA qualified CelticSaver insurance plan is posted at http://www.celticenrollment.com/Celtic%20health%20savings%20account%20insurance.htm

3/24/05 - Health Savings Account qualified insurance plans are now available to healthy applicants in New Hampshire and Montana.  Quotes and enrollment are available directly online.  The online enrollment process takes about 15 minutes.

3/20/05 - View a sample CeltiCare policy.  (This is a large 33 page PDF file that could take several minutes to download, depending on the speed of your modem).

2/1/05 HSA-qualified long term health insurance plans are now available to individuals and families online in Georgia, Indiana, and New Mexico.  Applicants may be age 18 to 64 1/2.  This plan covers 100% after the deductible with no co-insurance including prescription drugs and doctors office visits.  Most applicants selects the national Preferred Health Care Systems (PHCS), one of the nation's most popular preferred provider organizations for lowering costs and managing patient billings.

11/5/04 Preferred risk residents of five additional states may now enroll online for health savings account qualified insurance plans.  This high deductible coverage is available immediately in AL, KS, CT, NC, and SC without a paper application or telephone interview.  This online enrollment plan is not appropriate for individuals for a significant medical history.

6/24/04 Health savings account qualified insurance will be available in some states beginning 9/1/04.  More details will be published as they become available.

11/1/03  Commercial individual medical insurance including all of the Celtic plans listed on this Web site do not cover the cost of treating pre-existing medical conditions.  Pre-existing medical conditions include current prescription medications, ongoing medical treatments, and prior medical diagnoses.  One exception is that individuals eligible for HIPAA plans may be eligible for takeover of pre-existing medical conditions.  HIPAA plans are not offered through this Web site or though the online enrollment system.  More information is available at www.MedSave.com on the Frequently Asked Questions page under the topic "How do I get health insurance to cover pre-existing medical conditions?"

10/03  Celtic introduced a new product line in many states designed to lower costs of individual health insurance.  Forms on this Website are being updates with the new enrollment forms and materials.  In the meanwhile, please use the free online enrollment service.

copyright 2007 Freedom Benefits, P. O. Box 102 Narberth PA 19072    (800) 609-0683    Email  onlineadviser@celticenrollment.com.