Celtic Health Insurance Plan Protection Fitness Insurance Organization of Review
The company was founded in the season 1978 in the city of Chicago, Illinois. They started in the healthcare industry providing group and personal health programs along with insurance plan protection coverage. After realizing that they could not focus on those three kinds of insurance plan protection, they decided to stick with personal health programs. Today they are one of the most prevalent health insurance plan protection providers for personal programs with over 900,000 associates and is certified in 49 out of the 50 U.S. declares except for Hawaii. They provide protection for people, children and families including programs that are comprehensive and affordable. Short-term programs and Health insurance plan protection fitness Savings Accounts compatible programs are also prominent within the Celtic Health insurance plan protection fitness Insurance Organization.
All of their programs follow the Preferred Service Organization (PPO) system of physicians and hospitals in which their associates can receive solutions. They also have what is called a "Any Doc" PPO that gives you complete insurance plan protection with any medical doctor. Although Celtic doesn't have millions of associates like some of the "top dogs" insurance plan protection providers, they strive for excellence and for great support service to help their associates. It is due to this achievements that Celtic Health insurance plan protection fitness Organization was rated A- (Excellent) by A.M. Best. The rating is giving to organizations that match the obligations and needs of their associates.
Perhaps the best thing about Celtic and the thing that attracts associates the most is the ease the business provides for enrollment. You will only have to answer a questionnaire and you will be included for pre-existing conditions if and only if certain guidelines are met. If you have a pre-existing condition contact Celtic Health insurance plan protection fitness for more information. For all others looking into Celtic the qualifications are everything but strict. To qualify for Celtic protection the insurer must be between the age range of 6 several weeks and 64 ½ decades of age and cannot be included under any other health insurance plan protection. The applicant must be a United States citizen or a foreign resident that has been living legally in the nation for at least 2 decades. The only qualification for dependents is that they should be 6 weeks old or older.
Within the condition of Az Celtic Health insurance plan protection fitness Insurance provides five kinds of programs and within those programs there are subdivisions based on the amount of insurance plan protection deductible a individual wants in their protection and the co-insurance and copays they want to pay when using the solutions. All six programs will be described in detail below with the different choices in insurance plan protection deductible, copays and co-insurance protection.
CeltiCare II Select PPO Plan: This strategy is a medical doctor and medical PPO strategy for associates between the age range of 6 several weeks and 64 ½ decades of age. The season insurance deductibles for this programs are $500, $1000, $1500, $2500 and $5000, with out-of-pocket maximums of $2500, $3000, $3500, $4500 and $7000 respectively. You have a maximum of six trips to the medical doctor per work schedule year; each of them will be $15. If you happen to go for a 7th check out you will pay top dollar and that money will be discounted from your insurance plan protection deductible. Laboratory charges and x-rays are purchased 100% unless they go past $200, then you will have to pay top dollar topic to insurance plan protection deductible. Medication are separated into three levels, but before you get the actual prices you will be topic to a $500 insurance plan protection deductible. After this insurance plan protection deductible you will pay $20 for commonly used, $40 for company name and $75 for area of expertise. You will have to pay $250 in addition to your yearly insurance plan protection deductible if you go to the crisis room; however the fee is cancelled if you are said. Lastly, for inpatient care your medical is included up to 4 times in a season. It is worth noting that you have the choice to go out of system, but you will have a $1500 yearly insurance plan protection deductible.
CeltiCare II "Any Doc" PPO Plan: This strategy is an any physician-hospital PPO for member between the age range of 6 several weeks to 64 ½ decades of age. The yearly strategy insurance deductibles for this strategy involve $500, $1000, $1500, $2500 and $5000 with out-of-pocket maximums of $2500, $3000, $3500, $4500 and $7000 respectively. You will have six trips to the medical doctor per season and each of them will be $35. In the case that you want to go for a 7th check out you will have to be topic to your insurance plan protection deductible (pay complete price). Laboratories and X-rays are the same as the previous strategy and are purchased 100% until you exceed 200. The pharmaceutical drug medicines are $20 commonly used, $40 company name and $75 area of expertise and medical charges are $250 if you are not said. Inpatient care is included up to 4 trips per season and if you go out of system you will have another $1500 insurance plan protection deductible.
CeltiCare II Maintained Indemnity Plan: This strategy has no system specifications meaning that you can go anywhere you want and the price for your solutions will be the same. The age specifications for this strategy are the same as the other (between 6 several weeks and 64 ½ decades old). Deductibles for this strategy are as follows: $500, $1000, $1500, $2500 and $5000 with out-of-pocket maximums of $2500, $3000, $3500, $4500 and $7000. Outpatient and Protective trips to the medical doctor will price you top dollar and pharmaceutical drug protection is separated into three with commonly used medicines being $20, Brand name medicines $40 and area of expertise medicines are $75. Inpatient care is included up to 4 trips per season and the medical fee is $250 if you are not said to the medical.
The three programs mentioned above allow you to add alternatives according to the type of health protection that you need. Those alternatives involve a pharmaceutical drug choice that allows you to pay no insurance plan protection deductible for commonly used and only a $100 insurance plan protection deductible for company name and area of expertise medicines, the CeltiCare II Plus Option that allows the individual to add maintenance and supplemental accident to the policy; and finally a phrase choice.
Celtic Basic Health insurance plan protection fitness Plan: This strategy functions within the physical and medical PPO system and is available for people between the age range of 6 several weeks and 64 ½ decades of age. Deductibles offered are $1500, $2500 and $5000, but an additional $1500 in insurance plan protection deductible will be added if you want to go out of system. You will have 2 trips to the medical doctor per season for the price of $30 each and then you pay top dollar until meeting insurance plan protection deductible. Laboratories and x-rays are also charged top dollar until you match the plan protection deductible and you will also have to pay a fee of $250 every time you go to the medical if you are not said. For medical care you will have to pay a $500 insurance plan protection deductible per admission and you will have to pay $1000 insurance plan protection deductible on medicines. It is also essential to mention that the medicines are separated into the frequent three levels and you will pay $25 for commonly used, a 35% co-insurance for company name and 50% co-insurance for area of expertise. This strategy also provides maintenance, rehabilitation solutions and home medical.
CelticSaver HSA Health insurance plan protection fitness Plan: These strategy functions in two different networks, a managed indemnity and a PPO with the age of associates between 18 and 64 ½ season of age. Deductibles for people under this strategy are $1500, $2600 and $5000 with the family insurance plan protection deductible being doubled. Non-preventive trips to the medical doctor are included after the plan protection deductible is met as well as medicines. The medical fee is that of $250 if you are not said and the strategy includes preventive eye care up to $50 dollars, psychiatric care up to $2500 per individual and manipulative theory up to $500 per season. Inpatient intensive medical care is included up to 4 trips per season and the strategy also included home medical for those people that need it.
As you can see Celtic specializes on personal programs and they have were put together some of the best programs for people within the condition of Az. If you decide that Celtic Health insurance plan protection fitness Insurance protection is the right one for you, then you can call your local Celtic Sales Workplace or speak to a certified Celtic Az health agent.
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