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Celtic Insurance in Georgia 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 Georgia 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 Georgia 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 Georgia 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 Georgia 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, Celtic Saver HSA and Celtic Basic (except where indicated) health plans have the following significant variations in coverage in accordance with state law:

• 10 Day Free Look Child Wellness - From birth through the age of 5 years. Deductible does not apply.
• Contraceptive Coverage.
• Bone Density Test -for the prevention, diagnosis & treatment of osteoporosis.
• Dental Anesthesia -general anesthesia and associated hospital or ambulatory surgical facility charges in conjunction with dental care if an insured is developmentally disabled or for a child under 8 years of age if deemed medically necessary by the primary care physician.
• Chlamydia screening – annual test covered for females up to age 29. Colorectal Cancer Screening -covered based on standards established by the American Cancer Society as to family history, age and frequency.
• Telemedicine and Telehealth Services - covered in accordance with generally accepted health care practices and services.
• Transplants-heart and bone marrow transplants for breast cancer or Hodgkin’s disease are covered the same as any other sickness.
• Prescription Inhalants- will provide coverage for prescriptions inhalants without limitations on the number of days before an inhaler refill may be obtained if such inhalants have been prescribed by a treating physician
• Off Label Drug Use- coverage provided for use of prescription drugs prescribed for the treatment of a particular indication that have not been approved by the FDA for that particular indication for which they are being prescribed for, provided the drug has been recognized as safe and effective for treatment of that indication in one or more of the standard medical reference compendia.
• Outpatient Prescription Drug Benefit - If non­participating pharmacy is used you must pay 100% of the actual charges and file a claim with the insurer for reimbursement.
• Temporomandibular Joint Disorder (TMJ) -covered same as sickness.
• Psychiatric Care Charges – Inpatient psychiatric care up to 30 days per insured person per calendar year. Outpatient psychiatric care charges for psychiatric care visits are paid up to 48 visits per insured person per calendar year. (Does not apply to Celtic Basic policies).
• Outpatient prescription drugs are covered under our outpatient prescription drug benefit provision and limited up to a maximum of $1,000 per insured person per calendar year. (Does not apply to Celtic Basic policies).
• Alcoholism – Inpatient coverage up to $2500 per insured person per calendar year. Outpatient coverage limited to $1,000 per insured person per calendar year. $10,000 lifetime max for inpatient and outpatient combined. (Does not apply to Celtic Basic policies).
• Approved Clinical trials - routine patient care for an insured child diagnosed with cancer prior to their nineteenth birthday.
• Diagnosis for Infertility – coverage will be provided for medical services which are medically necessary for the diagnosis of infertility. Does not include coverage for treatment or surgical procedures for infertility. (Does not apply to Celtic Basic policies).
• Celtic Basic only: Inpatient Psychiatric care – 30 days per calendar year.
• Celtic basic only: Outpatient Psychiatric Care – up to 48 visits per calendar year. Outpatient prescription drugs are covered at 50% of eligible expenses and limited to $1,000 per year.

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 Georgia

5/1/2011 Georgia residents using a paper application form should now use state specific application form U5-581-00241-GA for all individual medical insurance and state specific application form U5-589-00249-GA 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