Before You Enroll

Fast facts on medical eligibility requirements

This important information about medical eligibility before applying for online health insurance.

• Celtic Insurance is available only to healthy applicants who can answer "NO" to all of the health questions on the application.  In rare cases, a "yes" answer may be acceptable if the health condition is resolved and current health meets current underwriting standards.
• If you must answer "YES" to any health question on an application then you might not be eligible for medically underwritten coverage, consider one of the guaranteed issue policies listed at OnlineAdviser Quote Intelligence as a more suitable alternative.
• If you must answer "YES" to any health question on the application, it is in your best interest to have a copy of your own personal medical records on hand in advance to provide additional detail on request. Contact your physician(s) for procedures on how to obtain a copy of your medical records.
• A "yes" answer to any health question without providing medical details will cause your application to be delayed or not processed.
• To discuss eligibility before you enroll call the "pre-screen" number at (800) 477-7870.
• Click here to see the health eligibility questions for short term health insurance.
• Click here to see the health eligibility questions for long term insurance and HSA-qualified insurance.
• Celtic Insurance does not "decline" applications based on medical screening, but rather makes no offer to applicants who may not qualify due to health history.
• A "declined" health insurance application can cause problems in obtaining insurance with other companies in the future. Do not apply with an insurance company that declines applications based on medical screening unless you are reasonably convinced that your application will be approved.

Short Term Insurance Eligibility Guidelines

Applicants must be able to answer "no" to the following four questions in order to be eligible for Celtic short term medical insurance:

1. Do you or any dependents to be covered have any hospital, major medical, group health, government or medical insurance coverage that will not terminate prior to the effective date of this coverage?

2. Are you, your spouse, or any dependent now pregnant or an expectant parent?

3. Have you or any dependent to be covered ever received any medical or surgical consultation, advice, treatment, or medication for:

• Cancer or tumors
• Diabetes
• Heart attack, Angina, or other heart disorder
• Stroke
• Excessive use of alcohol or alcoholism
• Drug abuse, dependence or addiction
• Emotional, psychological, psychiatric, or nervous condition or disorder

4. Have you or any dependents to be insured ever been diagnosed as having acquired immune system disorders; or ever tested positive for antibodies to Human Immunodeficiency Virus (HIV)?

(The medical eligibility questions may vary slightly depending on your state of residence).

Long Term Health Insurance Eligibility Guidelines

Applicants must be able to answer "NO" to the following 8 medical screening questions and meet the additional requirement in question #9 in order to be eligible for Celtic long term medical insurance:

1. Are you, your spouse or any dependent, whether to be covered or not, now pregnant or an expectant parent or have an adoption pending?

2. Within the last 10 years, has anyone to be insured been counseled or medically advised that they have or may have had any disease, disorder, impairment, deformity, familial or congenital abnormality, injury or any chronic or untreatable condition whether active or in remission?

3. Have you or any of your dependents been prescribed any medications in the last 12 months?

4. Within the last 10 years, have you or any dependent(s) to be insured ever been treated for, had symptoms of, or been medically advised or counseled that they have or may have had:

• Heart condition, including chest pains or a heart murmur, stroke, high blood pressure or other circulatory disorder
• Blood Disorder
• Diabetes
• Cancer, tumor or cyst
• Liver, kidney, genital or urinary tract disorder
• Any disease or disorder of the reproductive system including infertility, complications of pregnancy, sexual dysfunction or sexually transmitted disease
• Elevated Cholesterol
• Neurological disorders or condition
• Seizures or other nervous system disorder
• Arthritis, fibromyalgia, gout, back, spine, joint or other musculoskeletal system disorder
• Chronic Fatigue Syndrome
• Digestive system disorder
• Asthma, allergies or other respiratory disorder
• Eye, ear or skin disorders
• Alcohol, substance or drug abuse or dependence. Emotional, psychological, psychiatric or nervous condition or disorder
• Thyroid disorder

5. Within the past 24 months, have you or any dependent(s) to be insured undergone or been medically advised or recommended for:

• Lab work or tests
• Hospitalization
• Surgery or surgical consultation
• Treatment for any condition(s)
• Psychological or marital counseling
• Physical, occupational, or disability therapy
• Second opinion from another physician

6. Are you or any dependent(s) to be insured scheduled for or awaiting the results of any tests, biopsies, procedures or lab work?

7. Have you or any dependent(s) to be insured ever been treated for or diagnosed as having Acquired Immune Deficiency Syndrome (AIDS), diseases associated with AIDS or other immune system disorders , or ever tested positive for antibodies to the Human Immunodeficiency Virus (HIV)?

8. Do you or any dependent(s) to be insured participate in or work in any of the following occupations/avocations?

• Bartenders
• Musician
• Crop Dusting
• Off-shore drilling
• Hazardous materials
• Police
• Inter-state trucking
• Professional fire fighting
• Mining
• Professional sports or athletics
• Modeling
• Roofing
• Motorized vehicle racing

9. Additional Requirements:

Male applicants age 50 or older must have had a physical exam within the past 24 months and the exact results on a normal PSA (Prostate Specific Antigen) test.

Female applicants should have normal results on a recent PAP smear and mammogram performed under current AMA guidelines.

All applicants must be within the normal range of height and weight according to AMA guidelines.

(The medical eligibility questions may vary slightly depending on your state of residence).