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Celtic Insurance in Michigan 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 Michigan 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 Michigan 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 Michigan 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 health plans have the following significant variations in coverage in accordance with state law:

• Pre-existing Condition - 6/12
• 10 Day Free Look
• Substance Abuse - Coverage for intermediate and outpatient care up to $3,671.00 per calendar year. This benefit amount is adjusted on an annual basis based on the Consumer Price Index.
• Antineoplastic Therapy Charges – Coverage for any federally approved drug used in antineoplastic therapy.
• Ambulance Benefit – No annual maximum.
• Off Label Drug Use - Coverage shall be provided for the use of a drug for clinical indications other than those stated in the labeling approved by the Federal Food and Drug Administration (FDA) if certain criteria is met.

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 Michigan

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