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Celtic Insurance Company was formed
in 1978 as a holding company, and a subsidiary of the company
began operating in Chicago as a broker, insurance, and reinsurance
company for group life and health coverage. In 1980 Celtic
Group, Inc. acquired an insurance company, which had been operating
since 1949, whose broad licensing allowed it to conduct business in
49 states. Celtic introduced its group conversion coverage. In
1986 the Individual Health division was formed to
research, develop, and market products in the individual health
insurance marketplace, as well as market the group conversion
product. In 1997 the administrative facility in
Rosemont, IL moved to downtown Chicago to better coordinate with the
home office. In 1999 Celtic’s eBusiness department
was created to further the company’s presence on the Internet; and
applications were developed that allow agents and consumers to
purchase coverage online. The company’s name officially changed to
Celtic Insurance Company from Celtic Life Insurance Company to
reflect the company’s focus on individual health insurance products.
In 2007 Celtic’s website was redesigned to provide
customers with added convenience and information as well as a more
streamlined quoting and application process. In 2008 Celtic
Group, Inc. was acquired by St. Louis-based
Centene
Corporation (NYSE: CNC). This merger brings potential for
growth for both companies, uniquely positioning both to partner on
the full range of solutions for the rising number of uninsured
Americans and providing market driven healthcare solutions.
Today Celtic Insurance Company has grown to become one of
the most successful specialty health insurance companies in the
country. We are committed to maintaining our positive reputation in
the industry for our high-quality products, financial
stability and A.M. Best Rating.
Celtic Health Insurance
plans now include the new mandates under the PPACA (Patient Protection & Affordable
Care Act) that went in to effect on September 23rd, 2010.
They are as follows:
No lifetime limits on overall plan benefits, and
no lifetime limit on the dollar value of specific
"essential benefits."
Annual limits on essential benefits, only until
1/1/14.
Rescission only for fraud or intentional
misrepresentation of material facts.
(This was law before the PPACA).
Coverage of preventive health services and
immunizations without cost sharing. Including the
following
Covered
Preventive Services for Adults:
Abdominal Aortic Aneurysm one-time screening
for men of specified ages who have ever smoked
Alcohol Misuse screening and counseling
Aspirin use for men and women of certain
ages
Blood Pressure screening for all adults
Cholesterol screening for adults of certain
ages or at higher risk
Colorectal Cancer screening for adults over
50
Depression screening for adults
Type 2 Diabetes screening for adults with
high blood pressure
Diet counseling for adults at higher risk
for chronic disease
HIV screening for all adults at higher risk
Immunization vaccines for adults--doses,
recommended ages, and recommended populations
vary:
Hepatitis A
Hepatitis B
Herpes Zoster
Human Papillomavirus
Influenza
Measles, Mumps, Rubella
Meningococcal
Pneumococcal
Tetanus, Diphtheria, Pertussis
Varicella
Obesity screening and counseling for all
adults
Sexually Transmitted Infection (STI)
prevention counseling for adults at higher risk
Tobacco Use screening for all adults and
cessation interventions for tobacco users
Syphilis screening for all adults at higher
risk
Covered
Preventive Services for Women, Including Pregnant
Women:
Anemia screening on a routine basis for
pregnant women
Bacteriuria urinary tract or other infection
screening for pregnant women
BRCA counseling about genetic testing for
women at higher risk
Breast Cancer Mammography screenings every 1
to 2 years for women over 40
Breast Cancer Chemoprevention counseling for
women at higher risk
Breast Feeding interventions to support and
promote breast feeding
Cervical Cancer screening for sexually
active women
Chlamydia Infection screening for younger
women and other women at higher risk
Folic Acid supplements for women who may
become pregnant
Gonorrhea screening for all women at higher
risk
Hepatitis B screening for pregnant women at
their first prenatal visit
Osteoporosis screening for women over age 60
depending on risk factors
Rh Incompatibility screening for all
pregnant women and follow-up testing for women
at higher risk
Tobacco Use screening and interventions for
all women, and expanded counseling for pregnant
tobacco users
Syphilis screening for all pregnant women or
other women at increased risk
Covered
Preventive Services for Children:
Alcohol and Drug Use assessments for
adolescents
Autism screening for children at 18 and 24
months
Behavioral assessments for children of all
ages
Cervical Dysplasia screening for sexually
active females
Congenital Hypothyroidism screening for
newborns
Developmental screening for children under
age 3, and surveillance throughout childhood
Dyslipidemia screening for children at
higher risk of lipid disorders
Fluoride Chemoprevention supplements for
children without fluoride in their water source
Gonorrhea preventive medication for the eyes
of all newborns
Hearing screening for all newborns
Height, Weight and Body Mass Index
measurements for children
Hematocrit or Hemoglobin screening for
children
Hemoglobinopathies or sickle cell screening
for newborns
HIV screening for adolescents at higher risk
Immunization vaccines for children from
birth - age 18 doses, recommended ages, and
recommended populations vary:
Diphtheria, Tetanus, Pertussis
Haemophilus influenzae type b
Hepatitis A
Hepatitis B
Human Papillomavirus
Inactivated Poliovirus
Influenza
Measles, Mumps, Rubella
Meningococcal
Pneumococcal
Rotavirus
Varicella
Iron supplements for children ages 6 to 12
months at risk for anemia
Lead screening for children at risk of
exposure
Medical History for all children throughout
development
Obesity screening and counseling
Oral Health risk assessment for young
children
Phenylketonuria (PKU) screening for this
genetic disorder in newborns
Sexually Transmitted Infection (STI)
prevention counseling for adolescents at higher
risk
Tuberculin testing for children at higher
risk of tuberculosis
Vision screening for all children
Dependent coverage extended to adult children to
age 26.
Prohibition of pre-existing exclusions for
individuals under 19.
Celtic Basic Health Insurance Plans Brochure 2011 (
PDF)
Click below for FREE side by side comparison quotes for Health Insurance coverage from multiple
other carriers.
World Care Individual Dental Insurance Plan Brochure (
PDF)
Since accidental injuries are far
more likely to occur than major medical illnesses (most especially
when you have active children) many families are choosing to
purchase supplemental accident expense plans. These plans pay you a
cash benefit of $2,500, $5,000, $7,500 or $10,000 when an accidental
injury occurs. This cash can then be used to pay your health
insurance plan deductible. Supplemental Accident Expense plans are
also a great way to save money because you can choose a higher
deductible than you would normally choose knowing that you will not
have to pay that deductible if an accidental injury occurs to any
member of your family. Click below for more information:
Supplemental Accident Expense plans can also be coupled with Critical
Illness plans. In fact, Supplemental Accident Expense plans are often
cheaper when coupled with Critical Illness plans. Why consider Critical
Illness coverage?
Approximately
1.2 MILLION people
suffer heart attacks each year.
Approximately
780,000 people suffer
strokes each year.
More than
1.4 MILLION new cancer cases were estimated for diagnosis in 2007
alone. Between 1994 and 2004, the death rate declined approximately 31%
for heart attacks and almost 24% for strokes. (Source: American Heart
Association, Heart and Stroke Statistical Update, 2008.) The possibility
of surviving a Critical Illness before age 65 is almost twice as great
as dying. (Source: National Center for Health Statistics.)
WOULDN’T A CHECK BE BETTER
THAN A GET WELL CARD? Critical Illness benefits are paid directly to
you. You choose how to spend the benefit at a time when you and your
family may need extra cash the most. For example:
Home Health Care
Cost of Caregivers
Lost Income of Self or Spouse
Daily Living Expenses
Co Pays, Deductibles & Co-Insurance
Non -Covered "Experimental Treatments
Housekeeping or Child Care Expense
Maintenance of Your Family's Quality of Life
American
General (www.AmericanGeneral.com) has introduced a new Supplement Accident Expense plan that
also includes Critical Illness coverage and it's extremely
well priced. Adding this product to any health insurance
plan would not only alleviate the worry of paying your
health plan deductible if you or a family member where to
suffer an accidental injury but it will also provide you a
much larger cash benefit (up to $25,000) if you or a family
member were to contract a critical illnesses such as life
threatening Cancer, Stroke, or Heart Attack. For more information about this
unique and affordable plan click the brochure below. For a
free quote, please
contact us and we will send
you quotes via email. Or call us toll free @ (866) 724 7123.
Celtic Saver HSA qualified HDHP Brochure 2011 (
PDF)
Celtic Basic Health Insurance Plans Brochure 2011 (
World Care Individual Dental Insurance Plan Brochure (
