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Celtic Insurance in Arkansas Products Available: CeltiCare is Celtic's best-known premier coverage for healthy applicants. The most current version of CeltiCare insurance (5.1)  has been available to individuals and families in Arkansas since June 2010. Celtic Basic is a more affordable coverage for healthy applicants. The most current version of Celtic Basic (2.2) has been available to individuals and families in Arkansas since June 2010. Celtic Saver HSA takes advantage of the cost-saving features of a Health Savings Account. High deductible insurance plans are combined with optional qualified savings accounts available at no additional cost. The most current version of Celtic Saver Health Savings Account plan (3.0) has been available to individuals and families in Arkansas since June 2010. Celtic Short Term Medical Insurance is available for 1 month or longer (up to a 6 or 12 month maximum) with more liberal eligibility requirements. Short term coverage is less expensive because it does not pay the cost of prior medical conditions. The most current version of Celtic STM (3.0) has been available to individuals and families in Arkansas since June 2010. All Celtic Insurance products are available with private quoting (no personal identifying data is required for online pricing), secure online enrollment, fast application processing and independent enrollment support though OnlineAdviser at no additional charge.

State-specific Variations of Coverage

CeltiCare Preferred, Celtic Saver HSA and Celtic Basic (except the last three items as noted) health plans have the following significant variations in coverage in accordance with state law:

• 10 Day Free Look
• Term Life Option - Not available.
• Contraceptive Coverage.
• Children’s Preventive Health Care - Benefits are payable at specific intervals through age 18.
• Immunizations – not subject to deductible, coinsurance or co-pays.
• Temporomandibular Joint Disorder (TMJ) - covered same as sickness.
• Manipulative Therapy - No annual or lifetime maximum.
• Routine Nursery Care & Pediatric Charges – up to 5 days for newborn child.
• Phenylketonuria – treatment and dietary formula if prescribed by a physician.
• Colorectal Cancer Screening.
• Dental Anesthesia -General anesthesia and associated hospital or outpatient surgical facility charges for a dependent child under the age of seven or a person with a diagnosed mental or physical condition or a person with a significant behavioral problem, if deemed medically necessary by the primary care physician. Any dental plan would be primary.
• Impairment of speech or hearing- charges for necessary care and treatment but not hearing devices. This shall include those communicative disorders generally treated by a speech pathologist or audiologist. (Does not apply to Celtic Basic).
• Outpatient Chemotherapy and Renal Dialysis – including hemodyalysis and peritoneal dialysis. Musculoskeletal Disorders – coverage for surgical and non-surgical treatment affecting any bone or joint in the face, neck or head including TMJ or craniomandibular disorder if prescribed or administered by a physician or dentist. (Does not apply to Celtic Basic).
• Chemotherapy, Specialty Drugs, Bio-Tech Medications – administered parenterally in an outpatient setting. The eligible expense is 75% of the Prescription Benefit Manager’s charge for these medications. (Does not apply to Celtic Basic).

This information is based on a publication dated 3/1/2009 and may change in the future. See your specific policy certificate for details. In the event of a conflict between this information and the details of a policy, the policy will prevail.

Celtic Insurance News in Arkansas

10/21/2011 Arkansas children's insurance open enrollment program is designated annually in the month of October. Individuals under 19 years of age will be eligible applicants for health insurance during this month or if they experience another qualifying event as defined by state law.

5/1/2011 Arkansas residents using a paper application form should now use state specific application form U5-581-00241-AR for all individual medical insurance and state specific application form U5-589-00249-AR for short term insurance. A replacement form, included with the application, is also required when replacing coverage. The correct application forms are always automatically used when using the online enrollment system.

Product brochures in PDF format are updated for 2011:

• CeltiCare Preferred Health Plan
• Celtic Basic Health Insurance
• Celtic Health Savings Account
• Celtic Short Term Medical Insurance