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CELTIC short term health insurance an affordable Cobra insurance alternative.
If
there’s one thing you can count on, it’s that nothing
stays the same. Every day people change jobs, finish
college and leave the military. And every day they’re at
risk if they don’t have health insurance. That’s why
there’s the Celtic Short-Term Health Plan®, the
affordable solution for anyone in need of a high
quality, temporary health care plan.
What is Celtic Short-Term?
Celtic Short-Term is the flexible, inexpensive health
plan that covers most injuries and illness. You can
apply for this one term, nonrenewable policy for one to
six months of coverage at a deductible level that best
suits your budget.
Who’s eligible?
U.S.
residents between the ages of six months and 641⁄2 years
old, not currently pregnant or covered under any other
medical expense plan, are eligible for Celtic
Short-Term. Foreign residents living in the U.S. for at
least two years are also eligible for coverage with
proof of an Alien Registration Receipt Card or “Green
Card.”
How does the plan work?
Benefits are paid on covered expenses subject to the
deductible you select. Once the deductible is satisfied,
Celtic Short-Term pays 80% of the next $5,000 of covered
expenses. After that, Short-Term pays 100% of covered
expenses up to $2,000,000 per insured. The following
chart shows the most you will ever pay per person, per
period (excluding premium payments), based on your
deductible and eligible expenses.
What does Short-Term cover?
•
Hospital semi-private room-and-board charges
•
Hospital intensive care charges
•
Hospital outpatient charges
•
Inpatient psychiatric care
•
Other
miscellaneous hospital and physician services
•
Doctor office visits and surgical charges
•
Prescription drugs and blood products
•
Radiology and laboratory charges
•
Manipulative therapy
What is NOT covered?
The
Celtic Short-Term Health Plan is not designed to cover
pre-existing conditions. Specifically, a pre-existing
condition is a medical condition or symptom that
occurred prior to the effective date and was diagnosed
by a physician with consultation, advice or treatment.
It is also a medical condition or symptom which would
cause a prudent person to seek diagnosis, care or
treatment. Expenses resulting from a normal pregnancy,
“well care” (such as routine physical exams), dental
care (except as a result of bodily injury), cosmetic
surgery and outpatient psychiatric care are also
excluded from coverage. Other limitations and exclusions
are listed in the Celtic Short-Term policy and may vary
according to the state in which you reside.
How
much will it cost?
Premiums are based on a number of factors, including
choice of deductible, number of people covered, length
of coverage, age, sex, and where you live. See the
Premium Worksheet to calculate your exact premium.
Payment for the entire period of coverage must accompany
this application, and no refunds are issued in the event
that coverage is not required for the full benefit
period selected. Payment may be made by check, Visa®,
MasterCard® or Discover®. If paying by credit card,
complete the payment section on the application.*
How do I file a claim?
Submitting a claim couldn’t be easier. There are no
forms to complete and payments are made quickly.
Questions? Contact customer service at 1-800-477-7870.
When
does coverage begin and end?
Coverage begins at 12:01 a.m. on the requested effective
date. However, the effective date cannot be on or before
the day your envelope is postmarked or on the 29th, 30th
or 31st of the month. Coverage ends when your policy
term has expired.
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