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Celtic Insurance in Maryland Products Available: Effective immediately, Celtic is temporarily suspending quoting and new business of health plans in Maryland. Please check for other alternatives on the state insurance department Web site or the portal for the insurance exchange links at FreedomBenefits.net 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 II 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
• Mammogram –deductible does not apply.
• Home Health Care-up to 40 visits per calendar year.
• Cleft Lip and Cleft Palate medically necessary treatment in a newborn child.
• Child Wellness – deductible does not apply. Eligible expense include office visits, developmental assessments, immunizations, hearing and vision screenings as determined by the American Academy of Pediatrics.
• TMJ – covered.
• Colorectal Cancer Screening-– covered based on standards established by the American Cancer Society.
• Inherited Metabolic Disease.
• Morbid Obesity.
• Hair Prosthesis – up to $350.
• Hearing Aids – for minor children up to $1,400 per hearing aid.
• Manipulative Therapy – no calendar year maximum.
• Mental Illness, Drug Abuse, Alcoholism – partial Hospitalization –covered up to 60 days per calendar year. Outpatient – 80% of the first 5 visits, 65% through 30th visit. 50% for 31st visit and over in a calendar year.
• Hospice Care -$5,000 maximum removed.
• Maternity – up to 48/96 hours of inpatient hospitalization.
• In Vitro Fertilization – up to a lifetime maximum of $100,000.
• Dental General Anesthesia –facility and general anesthesia charges rendered in a hospital or outpatient surgical facility for a dependent child or a person with a developmental disability, subject to limitations.
• Clinical Cancer Trials
• Osteoporosis- for medically necessary prevention, diagnosis and treatment. One annual chlamydia screening.
• Human Papillomavirus Screening at the testing intervals outlined in certain recommendations developed by the American college of Obstetrician & Gynecologists.
• Nicotine Replacement Therapy – covered to a maximum of two 90-day courses of nicotine replacement therapy.

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 Maryland

5/1/2011 Maryland residents using a paper application form should now use state specific application form I5-585-00167-MD-rev for all individual medical insurance. The correct application forms are always automatically used when using the online enrollment system.