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Celtic Insurance in Florida 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 Florida 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 Florida 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 Florida 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 current version of Celtic STM (2.2) is available to individuals and families in Florida. 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, Celtic Saver HSA and Celtic Basic (except where indicated) health plans have the following significant variations in coverage in accordance with state law:

• Child Health Supervision Services- Birth to age 16. Deductible does not apply.
• Transportation costs - of a newborn child up to a maximum of $1,000.
• Osteoporosis -medically necessary diagnosis and treatment.
• Cleft Lip and Cleft Palate – covered if under the age of 18.
• Enteral formulas – coverage through age 24, up to $2,500 per calendar year when prescribed by a physician.
• Mammography – not subject to the deductible or coinsurance.
• Term Life Option - Not available.
• General Dental Anesthesia/Hospital services – general anesthesia and associated hospital or outpatient surgical facility charges for a dependent child under the age of seven or a person with a developmental disability if deemed medically necessary by the primary care physician. (Does not apply to Celtic Basic policies).
• Celtic Basic only: Dental General anesthesia/hospital services –for medically necessary dental treatment meeting certain criteria

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 Florida

5/1/2011 Florida residents using a paper application form should now use state specific application form U5-581-00241-FL for all individual medical insurance and group state specific application form G5-800-00055-FL for short term insurance. 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