Celtic Health Insurance Company of Arizona is one of Arizona’s top fitness blessings providers. The kingdom of Arizona has many medical insurance organizations competing for clients within every one of the counties. Although many human beings have heard of this coverage agency, Celtic continues to develop quickly. People around us are starting to be increasingly familiar with it.
The company was founded in the 12 months of 1978 in the metropolis of Chicago, Illinois. They commenced inside the healthcare industry, offering group and personal fitness plans with existing insurance. After understanding that they were not aware of those three styles of coverage, they determined to stick with men’s or women’s medical health insurance plans. Today, they’re one of the most frequent medical health insurance corporations for men or women plans with over 900,000 contributors and are certified in 49 out of the 50 U.S. States except for Hawaii. They offer coverage for people, kids, and families and complete and low-cost plans. Short-time period plans and Health Savings Accounts well-suited plans are also outstanding inside the Celtic Health Insurance Company.
Their plans comply with the Preferred Provider Organization (PPO) community of physicians and hospitals where their contributors can receive offerings. They also have what’s known as an “Any Doc” PPO that gives you full insurance coverage with any fitness care company. Although Celtic doesn’t have thousands and thousands of individuals like some of the “pinnacle dogs” insurance organizations, they try for excellence and amazing customer support to assist their participants. Because of this achievement, Celtic Health Company was rated A- (Excellent) with the aid of A.M. Best. The score is given to agencies that meet the obligations and desires of their members.
Perhaps the great factor, approximately Celtic, and the factor that draws individuals the maximum is the convenience the business enterprise offers for enrollment. You will only answer a questionnaire, and you’ll be covered for pre-existing conditions if and only if certain pointers are met. If you’ve got a pre-current situation, touch Celtic Health for more statistics. For all others searching into Celtic, the qualifications are the entirety but strict. To qualify for Celtic insurance, the insurer should be between 6 months and sixty-four ½ years of age and can’t be blanketed beneath any other medical insurance plan. The applicant must be a United States citizen or a foreign resident dwelling legally within the United States for at least two years. The only qualification for dependents is to be six weeks old or older.
Within Arizona, Celtic Health Insurance offers five sorts of plans. There are subdivisions based on the amount of deductible someone needs in their coverage and the co-coverage and copays they want to pay when using the services within their plans. All six projects will be described below with distinct deductibles, copays, and co-coverage insurance options.
CeltiCare II Select PPO Plan: This medical doctor and sanatorium PPO plan is for individuals between 6 months and 64 ½ years old. The calendar year deductibles for this plan are $500, $ 1,000, $ 1,500, $ 2,500, and $ 5,000, with out-of-pocket maximums of $ 2,500, $ 3,000, $ 3,500, $4500, and $7000, respectively. You have a maximum of six visits to the physician in step with a calendar of 12 months; everyone could be $15. If you manifest to head for a seventh visit, you’ll pay a complete fee, and that cash might be discounted out of your deductible.
Laboratory prices and x-rays are paid one hundred, except if they move past $two hundred, you’ll have to pay the full fee for the deductible. Prescription drugs are divided into three stages, but you will have a $500 deductible earlier than you get the actual charges. After this deductible, you’ll pay $20 daily, $40 for emblem calls, and $ seventy-five for a strong point. You will pay $250 further in your every-year deductible if you go to the emergency room; however, the rate is canceled if you are admitted. Lastly, your medical institution is protected up to four times in a calendar year for inpatient care. It is vital to the world that you can exit the community. However, you may have a $1500 annual deductible.
CeltiCare II “Any Doc” PPO Plan is any doctor-health facility PPO for members aged six months to 64 ½ years. The annual plan deductibles for this plan include $500, $ 1,000, $ 1,500, $ 2,500, and $ 5,000, with out-of-pocket maximums of $ 2,500, $ 3,000, $ 3,500, $4500, and $7000, respectively. You could have six visits to the doctor in keeping with the calendar year, and each of them will be $35. If you want to go for a seventh, you’ll be in a situation in your deductible (pay full rate). Labs and X-rays are the same as the previous plan and are paid 100% till you exceed two hundred. The prescription drugs are $20 generic, $40 emblem call, and $ seventy-five specialty and emergency room costs are $250 if you aren’t admitted. Inpatient care includes four visits in line with the year, and if you go out of the community, you will have another deductible.
CeltiCare II Managed Indemnity Plan: This plan has no community requirements, meaning that you can go everywhere you want, and the fee for your services might be the same. The age requirements for this plan are the same as the others (between six months and 64 ½ years old). Deductibles for this plan are $500, $ thousand, $1500, $2500, and $5000 with out-of-pocket maximums of $2500, $3000, $3500, $4500, and $7000. Outpatient and Preventive office visits will price you a complete fee, and prescription insurance is split into 3, with frequent drugs being $20, Brand name medicinal drugs being $40, and distinctiveness medicinal drugs being $ seventy-five. Inpatient care is blanketed up to four visits in step within a year, and the emergency room fee is $250 if you aren’t admitted to the health center.
The three plans above permit you to add options in line with the clinical insurance you need. Those options consist of a prescription choice that allows you to pay no deductible for accepted and a $ hundred deductible for the brand call and distinctiveness medicinal drugs, the CeltiCare II Plus Option that lets the person add preventive care and supplemental accident to the coverage; and eventually a term lifestyles coverage alternative.
Celtic Basic Health Plan: This plan operates within the bodily and medical institution PPO network and is to be had for humans between 6 months and 64 ½ years old. Deductibles provided are $1500, $2500, and $5000, but a further $1500 in deductible will be brought in case you want to go out of network. You can have two medical doctor visits per year for $30 each, and then you pay the complete charge until you meet your deductible. Labs and x-rays are also charged full control until you meet the deductible, and you may also need to pay a price of $250 every time you visit the emergency room if you are not admitted. You may pay a $500 deductible consistent with admission for health center care and a $1000 deductible on prescription medicines. It is also essential to say that the medication is divided into three common tiers. You may pay $25 for regular, a 35% co-coverage for the emblem name, and a 50% co-coverage for the specialty. This plan also offers preventive care, rehabilitation offerings, and domestic fitness care.
CelticSaver HSA Health Plan: This plan operates in two special networks, a managed indemnity and a PPO with individuals between 18 and sixty-four ½ yr. Deductibles for individuals below this plan are $1500, $2600, and $5000, with the circle of relatives deductible being doubled. Non-preventive workplace visits are included after the deductible is met, as well as prescription medicinal drugs. The emergency room charge is $250 if you aren’t admitted, and the plan consists of preventive eye care for up to $50 bucks, psychiatric care of as much as $2500 in line with the person, and manipulative theory for as much as $500 in line with calendar 12 months. Inpatient intensive health facility care is protected by as many as four visits according to the calendar of 12 months. The plan also covered domestic fitness care for humans who need it.
As you may see, Celtic specializes in character plans, and they have put together some of the first-class projects for people inside Arizona. If you decide that Celtic Health Insurance is the proper one, you can name your local Celtic Sales Office or speak to a licensed Celtic Arizona medical health insurance agent.