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Celtic Insurance in Connecticut 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 Connecticut since June 2010. Celtic Saver HSA takes advantage of the cost-saving features of a Health Savings Account. High deductible insurance plans are comined 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 Connecticut 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 Connecticut 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 and Celtic Saver HSA health plan have the following variations in coverage in accordance with state law:

• 10 Day Free Look Term Life Option - Not available.
• Pre-existing Conditions – 12/12. credit given for prior qualifying coverage within 120 days of effective date, 150 days if coverage terminated due to involuntary loss of employment.
• Outpatient RX Drug Card: Deductible $100 (preferred, non preferred and specialty drugs), Generic: $20 copay, Preferred Brand: $40 copay, Non-Preferred Brand/Specialty Drug 40% coinsurance.
• Manipulative Therapy – no annual or lifetime maximum.
• Removal of breast implant -up to a maximum of $1,000 per calendar year.
• Replacement prosthetic devices -covered up to $300.00 per breast per calendar year.
• Contraceptive Coverage.
• Early Intervention Services - Up to $5,000 per year. The maximum will not contribute toward any annual or lifetime maximum benefit amount.
• Home Health Care - Up to 80 visits per year. Deductible is capped at $50.
• Mental and Nervous Disorders Charges - Inpatient and outpatient services are covered as any other sickness.
• Low Protein Modified Foods when prescribed by a physician for treatment of inherited metabolic diseases.
• Specialized Formulas- when medically necessary and prescribed by a physician for treatment of a disease or condition for children up to age 3. Hearing Aids up to $1,000 within a 24 month period and limited to children 12 years of age or younger.
• Dental General Anesthesia - general anesthesia and associated inpatient, outpatient or day dental services if deemed medically necessary, to be of significant dental complexity requiring dental procedures to be performed in the hospital, or the insured has a developmental disability that places the person at serious risk.
• Lyme Disease Treatment.
• Cancer Clinical trials.
• Colorectal Cancer Screening – covered based on standards established by the American Cancer Society as to family history, age and frequency.
• Ostomy supplies – medically necessary supplies and appliances related to ostomy surgery, up to $1,000 per calendar year.
• Accidental Ingestion of a Controlled Substance - Inpatient: up to 30 days per calendar year. Outpatient: up to $500 per calendar year.
• Pain Management – coverage is provided for access to a pain management specialist including all means medically necessary to make a diagnosis and develop a treatment plan.
• Craniofacial Disorders - coverage for medically necessary orthodontic processes and appliances for the treatment of craniofacial disorders for insured persons eighteen years of age or younger. Coverage will not be provided for Cosmetic Surgery.
• Infertility – coverage for the diagnosis and treatment of infertility through age 39.
• Mammogram – includes coverage for an ultrasound screening for women at increased risk of breast cancer and additional criteria.
• Medical Social Services – up to $200 per year for a terminally ill patient.
• Wig – prescribed by an oncologist due to chemotherapy, up to $350 per calendar year.
• Prostate Cancer – screening lab and diagnostic tests. Provided for symptomatic men with biological family history and one screening per calendar year age 50 and over.
• Inpatient Mastectomy Coverage – at least 48 hours of inpatient care following a mastectomy or lymph node dissection.
• Neuropsychological Testing – when ordered by a licensed physician for assessment of any cognitive or developmental delays due to chemotherapy or radiation treatment.

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 Connecticut

5/1/2011 Connecticut residents using a paper application form should now use state specific application form U5-581-00241-CT for all individual medical insurance and state specific application form U5-589-00249-CT 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 Health Savings Account
• Celtic Short Term Medical Insurance