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

Celtic Insurance in Missouri 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 Missouri 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 Missouri 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 Missouri 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 and Celtic Saver HSA health plans have the following significant variations in coverage in accordance with state law:

• 10 Day Free Look
• Mammogram – eligible regardless of age if recommended by a physician and there’s a family history of breast cancer.
• Immunizations - for dependent children up to age 5. Not subject to deductible or coinsurance.
• Child Health Supervision -thru age 12, subject to deductible and coinsurance requirements.
• Lead Poisoning Screening Test.
• Speech or Hearing Disorder Charges, including newborn screening, audiological assessment and follow-up and initial amplification.
• Inpatient Psychiatric Care Treatment - up to 90 days per calendar year.
• Outpatient Psychiatric Care Treatment – covered only if enrolled in a full day or partial treatment program.
• Mental Health Diagnosis – two sessions per calendar year with a licensed practitioner for the purpose of diagnosis or assessment
• Osteoporosis charges -medically necessary services for the diagnosis, treatment and appropriate management of osteoporosis including bone mass measurement.
• Human leukocyte antigen testing, coverage is limited to a maximum cost of $75 and one test per lifetime.
• Formula and low protein modified food products for the treatment of phenylketonuria or any inherited disease of amino and organic acids for any insured person less than six years of age up to a maximum of $5000 per calendar year.
• Colorectal cancer examination and laboratory tests for cancer for any nonsymptomatic insured person, in accordance with the current American Cancer Society guidelines.
• Chemical Dependency charges: nonresidential treatment up to a maximum of 26 days per calendar year. Residential treatment to a maximum 21 days per calendar year, limited to a lifetime maximum of 10 episodes.
• Early Intervention Services Charges provided by early intervention specialists who are health care professionals licensed by the state of Missouri. Coverage is limited to $3,000 per insured person per calendar year with a lifetime benefit maximum of $9,000 per insured person.
• Dental Anesthesia Charges coverage for the administration of general anesthesia and office or medical care facility charges for dental care, rendered by a dentist, provided to the following insured persons: A child under the age of five; A person who is severely disabled; or A person who has a medical or behavioral condition which requires hospitalization or general anesthesia when
• Cancer Clinical Trials – routine patient care for an approved phase II, phase III or phase IV clinical trial.

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 Missouri

5/1/2011 Missouri residents using a paper application form should now use state specific application form U5-581-00241-MO for all individual medical insurance and state specific application form U5-589-00249-MO 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 Health Savings Account
• Celtic Short Term Medical Insurance