Forms & links for Celtic Insurance in Indiana Pricing & enrollment Online Help Center Contact information Find a network provider My Account (for returning visitors) Indiana insurance links  at FreedomBenefits.net

Celtic Insurance in Indiana 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 Indiana 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 Indiana 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 Indiana 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 Indiana since June 2010. A special note: monthly payment option is not allowed for short term medical insurance policies issues in Indiana. A single premium is required for the 1 to 6 month period of coverage selected. (This restriction does not apply to the regular renewable policies listed above. 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:

• 30 Day Free Look
• Manipulative Therapy - No annual or lifetime maximum. (Not applicable to Celtic Basic policies).
• Pervasive Developmental Disorders -coverage is provided in accordance with a treatment plan developed and monitored by a physician. Coverage For Medical Food that is: medically necessary; and prescribed by a covered insured person's treating physician for treatment of the covered insured person's inherited metabolic disease.
• Term Life Option - Not available.
• Psychiatric Care – Covered as any other sickness. (Not applicable to Celtic Basic policies).

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 Indiana

10/22/2011 Celtic Insurance invites members of Aetna and four other health plans that recently exited Indiana. Aetna, the nation's third-largest health insurance company, was the latest to leave the individual policy market in Indiana in 2011. Four other insurance companies are also leaving Indiana including Cigna Corp., Pekin Insurance, American Community Mutual Insurance and Guardian Life Insurance. The five decided to leave the individual market due to difficulties operating profitably under recently enacted health reform laws. The five companies covered more than 20,000 people or about 10 percent of all those who have individual health insurance in the state. Freedom Benefit continues to support Celtic Insurance and UnitedHealthOne, both offering a range of individual health insurance plans for Indiana residents.

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