Celticenrollment.com
Celtic Insurance Company coverage for individuals and families

Personal enrollment support offered by independent agent
Tony Novak with advance online registration at www.OnlineNavigator.org
Telephone enrollment support: (800) 609-0683 x1
8 a.m.-6 p.m., Monday-Friday, Eastern Time
Email:onlineadviser@celticenrollment.com

NAIC Report on Celtic Insurance Company

The National Association of Insurance Commissioners (NAIC) collects data from all of the state insurance departments and compiles and publishes that data in a format that can be useful to insurance consumers. This Web page summarizes the reports published by NAIC in 2010 based on operating results of Celtic Insurance Company in 2009.

Licensing and Premiums

The following chart is by the NAIC to indicate the states where an insurance company operates. "L" means licensed. The "Direct Business Written" indicates the premium dollars, in thousands, for each state. The data is based on a regulatory report prepared by the insurance company. Celtic Insurance Company operates in all states except New York.

CELTIC INS CO
LICENSED STATE REPORT
YEAR END 2011

State	Active Status	Direct Business Written
Alabama	N	$703142
Alaska	N	$1400390
American Samoa	N	$0
Arizona	N	$1502468
Arkansas	N	$569434
California	N	$3092353
Colorado	N	$1494885
Connecticut	N	$3034850
Delaware	N	$275910
District Of Columbia	N	$394381
Florida	N	$15240646
Georgia	N	$3935179
Guam	N	$0
Hawaii	N	$19206
Idaho	N	$19944
Illinois	N	$12633577
Indiana	N	$4494460
Iowa	N	$823809
Kansas	N	$996390
Kentucky	N	$117525
Louisiana	N	$724931
Maine	N	$24755
Maryland	N	$619068
Massachusetts	N	$126023
Michigan	N	$6705906
Minnesota	N	$953941
Mississippi	N	$1139288
Missouri	N	$5322278
Montana	N	$147446
Nebraska	N	$778627
Nevada	N	$692478
New Hampshire	N	$3050284
New Jersey	N	$1634460
New Mexico	N	$1065042
New York	N	$265962
North Carolina	N	$7642594
North Dakota	N	$34544
Northern Mariana Islands	N	$0
Ohio	N	$2737705
Oklahoma	N	$1087488
Oregon	N	$53307
Pennsylvania	N	$2316426
Puerto Rico	N	$0
Rhode Island	N	$69522
South Carolina	N	$2127849
South Dakota	N	$677387
Tennessee	N	$1222928
Texas	N	$13418544
U.S. Virgin Islands	N	$0
Utah	N	$22978
Vermont	N	$49490
Virginia	N	$552011
Washington	N	$190194
West Virginia	N	$723892
Wisconsin	N	$2845487
Wyoming	N	$2236467

Financial Profile

The NAIC report includes this brief summary of financial position for Celtic Insurance Company. More information is available from the company's financial report.

CELTIC INS CO
FINANCIAL REPORT
2011

Below is the Financial Report for Celtic Ins Co for the year ending December 31, 2011.

Direct Premiums Earned	Assets	Liabilities
$111,715,059	$68,760,964	$43,260,211

Complaints

An insurance company's consumer complaint history, as reported to state regulators, are compiled by the NAIC and can provide insight into an insurance company's operations. In 2011 there were 54 consumer complaints about Celtic Insurance reported nationally. The following chart breaks down the cause of the complaints.

REASONS WHY COMPLAINTS WERE SUBMITTED

	Underwriting
		Premium & Rating	5
		Refusal to Insure	0
		Cancellation	5
		Nonrenewal	0
		Credit Report	0
		Redlining	0
		Delays	0
		Forced Placement	0
		Audit Dispute	0
		Unfair Discrimination	0
		Rescission	0
		Surcharge	0
		Endorsement/Rider	0
		Group Conversion	0
		CLUE Reports	0
		MIB Reports	0
		Continuation of Benefits	0
		State Specific	1
	Marketing & Sales
		Unfair Discrimination	0
		Suitability	0
		Financial Privacy	0
		Misleading Advertising	0
		Health Privacy	0
		Replacement	0
		Unauthorized Entity	0
		Fiduciary/Theft	0
		Misrepresentation	0
		Misappropriation of Premium	0
		Not Appointed w/Company	0
		High Pressure Tactics	0
		Duplication of Coverage	0
		Rebating	0
		Misstatement on Application	0
		Fraud/Forgery	0
		State Specific	0
		Excess Compensation Without Agreement	0
		Failure to Submit Application	0
		Premiums Misquoted	0
		Other Violation of Insurance Law/Regulation	0
		Adjuster Working for a Company Not Licensed	0
		Using an Unlicensed Name	0
	Claim Handling
		Adjuster Handling	1
		Prompt Pay	0
		Willing Provider	0
		Provider Availability	1
		Unsatisfactory Settlement/Offer	4
		Preexisting Condition	3
		Medical Necessity	1
		Fraud	0
		PostClaim Underwriting	0
		Subrogation	0
		Comparative Negligence	0
		Denial of Claim	15
		Usual, Customary, Reasonable Charges	0
		Out-of-Network Benefits	2
		Co-pay Issues	1
		Coordination of Benefits	0
		No Preauthorization	0
		PCP Referrals	0
		Delays	8
		Assignment of Benefits	0
		Cost Containment	1
		State Specific	4
		Appeal Non-Compliance	0
		Claim Recoding/Bundling	0
		Recoupment	0
	PolicyHolder Service
		Inadequate Provider Network	0
		Class Action	0
		1035 Exchange	0
		Premium Notice/Billing	1
		Surrender Problems	1
		Cash Value	0
		Accelerated Benefits	0
		Delays/No Response	3
		Policy Delivery	0
		Premium Refund	8
		Nonforfeiture	0
		Viatical Settlement	0
		Payment Not Credited	0
		Coverage Question	3
		Access to Care	0
		Abusive Service	1
		State Specific	0
		Credentialing Delay	0
		Involuntary Termination by Plan	0
		Provider Listing Dispute	0
		Delayed Appeal Consideration	0
		Delayed Authorization Decision	0
		Access to Fee Schedule/Rates	0
		Inadequate Reimbursement Rates	0
		Unfair Negotiation	0

Even more useful is the resolution of these claims. The NAIC reports these outcomes for 2011:

FINAL DECISIONS REGARDING COMPLAINTS

	Compromised Settlement/Resolution	28
	Claim Reopened	2
	Claim Settled	25
	No Action Requested/Required	4
	Referred to Another Department	0
	Referred to Proper Agency	0
	Fine	0
	Referred for Disciplinary Action	4
	Contract Provision/Legal Issue	1
	Company Position Upheld	1
	No Jurisdiction	0
	Insufficient Information	0
	State Specific	3
	Company Position Overturned	2
	Complaint Withdrawn	0
(Back to Top)

Complaint ratio and trends

Celtic Insurance company had a complaint ratio of 4.89 times greater than the median in 2011. This statistic of a higher than median complaint ratio is typical among health insurance companies who issue such a small percentage of total market premium (0.12%) but a high percentage of the lowest cost type of health insurance. The trend report for Celtic Insurance as reported by NAIC is reproduced below.

CELTIC INS CO
COMPLAINT TREND REPORT
(Persons - ALL)

Below is the Complaint Trend Report for Celtic Ins Co. This report is based on the following criteria: Persons - ALL. For more information, please refer to the Help.

Year	Total Complaints	Percent Change
2012	10	-81%
2011	54	+145%
2010	22	-27%
2009	30	-7%
2008	67

We believe that the reports published by NAIC, taken as a whole, give a useful and accurate snapshot of Celtic Insurance for insurance consumers and see no indication of an issue that would be significant to consumers or that would trigger additional comment or discussion. In other words, the NAIC reports indicate that Celtic Insurance Company results are typical for a company specializing in individual medically underwritten health insurance. More information and the entire NAIC report are available at www.naic.org.

Celticenrollment.com is owned and operated by Tony Novak for the Freedom Benefits Association insurance exchange, P.O. Box 333, Newport NJ 08345. Tel (800) 609-0683 as an independent producer for Celtic Insurance Company. All content is the opinion of the owner derived from sources believed to be reliable, but cannot be guaranteed. The content on this Web site does not necessarily reflect the opinion of Celtic Insurance Company. In the event of a discrepancy between the information in a Celtic Insurance Company contract and the information published at Celticenrollment.com, the insurance contract will prevail. Celtic Insurance Company is licensed in the District of Columbia and all states except New York. Celtic Insurance Company and the Celtic logo are registered trademarks of Celtic Insurance Company.