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Celtic Insurance in Texas Products Available: Celtic Healthy Texas is a group health insurance plan available to qualifying small businesses. 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 Texas 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 Texas 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 Texas 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 Texas 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 noted) health plans have the following significant variations in coverage in accordance with state law:

• 10 Day Free Look
• Term Life Option - Not available
• Child Immunization - from birth through age 6. Immunization charges not subject to the deductible, coinsurance or copay. Charges for other services rendered at the time of immunizations are subject to the deductible, coinsurance and copay requirements.
• Hearing Impairment – coverage provided for newborn screening test from birth through 30 days of age. Follow-up care provided through age 24 months. Services not subject to the deductible; however coinsurance, copay requirements apply.
• Home Health Care - 60 visits per year.
• Prescription Drugs - includes birth control drugs and formulas for treating phenylketonuria or other heritable diseases if prescribed by a physician.
• Off Label Drug Use – coverage provided for treatment of a covered chronic or disabling condition if FDA approved for at least one indication and is recognized for treatment of the indication in peer review medical literature or a prescription drug reference compendium.
• Psychiatric Care -Also covers charges for: 1) psychiatric day treatment facility. 2) treatment provided through a crisis stabilization unit. and 3) treatment provided in a residential treatment center for children and adolescents as required by Texas law. (Not applicable to Celtic Basic).
• Telemedicine and Telehealth Services- covered in accordance with generally accepted health care practices and services.
• Colorectal Cancer Screening – covered in accordance with the standards established by the American Cancer Society.
• Craniofacial reconstructive surgery – covered for children under 18 years of age.
• Acquired Brain Injury – coverage for all integrative cognitive and rehabilitative therapies as a result of or related to an acquired brain injury.
• Home Health Care Charges – Up to 60 visits per calendar year, but only if a hospital or extended care facility confinement would otherwise be needed.
• Child Hearing Impairment Screening Test – from birth through age 30 days. Necessary follow up care until 24 months old.
• Celtic Basic only: Contraceptive Coverage

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 Texas

8/2/2011 Superior HealthPlan Inc. and Superior HealthPlan Network were awarded a new contract Tuesday that will expand the company's service area for Medicaid managed care programs in Texas and add millions in revenue. Superior HealthPlan is owned by Centene Corporation, the parent company of Celtic Insurance Company. The new contract is expected to bring $666 to $1.1 billion revenue to the health plan provider.

5/1/2011 Texas residents using a paper application form should now use state specific application form U5-581-00241-TX for all individual medical insurance and state specific application form U5-589-00249-TX for short term insurance. A replacement form, included with the application, is also required when replacing coverage. The correct application forms are always automatically used when using the online enrollment system.