Celtic
Insurance of Florida serves 1.3 million people with a PHCS network of
more than 320,000 physicians and ancillary care providers in all 50 states
and the District of Columbia. For more than 10 years, the independent insurance
rating organization A.M. Best has given Celtic Insurance a rating of A (Excellent).
Supported by a nationwide network, Celtic Insurance of Florida protects you
even when you're traveling or relocating to another state.
You'll
also enjoy substantial savings on prescription drugs because Celtic Insurance
of Florida works with the largest network of pharmacies in the country.
That entitles you to the lowest pre-negotiated rates for prescription drugs
at 50,000 nationwide participating pharmacies.
As
a resident of Florida, you'll find that Celtic Insurance in Florida
offers the coverage you need at an affordable price, and has a variety of
plans to meet your coverage and financial limits. With a high deductible plan,
you can save more by sharing smaller expenses, such as charges for doctor
visits. You'll also rest assured that you are protected from the catastrophic
expense of a major illness or injury.
You
can make your health plan even more affordable with the CelticSaver
Health Savings Account (HSA). That combines an HSA with major medical coverage,
including up to $7,000,000 of health insurance protection. You
can run an instant quote
to see detailed information about plan details, limitations, and restrictions.
Or contact us and we will help you decide
on a plan that is right for you and your family.
Rate
Information:
All deductible
options have a 12 month rate guarantee.
Preferred
rates without riders are available on our instant
quote page. The quoted rates are for the $7 million maximum benefit,
and do not include any optional benefits. Rates depend on gender, smoking
status, zip code, and health status.
The
premium can be paid monthly or quarterly, or by an automatic monthly bank
draft. The bank draft will occur on the premium due date each month. The
initial premium can be paid with a check or credit card. If you choose to
receive a monthly or quarterly billing statement, a $10 per bill fee will
be charged.
Network:
Celtic's
PHCS network includes more than 320,000 physicians and ancillary
care providers in 50 states and the District of Columbia, serving 1.3 million
PPO members. The nationwide Celtic PPO network assures you access
even when traveling or relocating to another state.
Celtic
also partners with the largest network of pharmacies in the country to give
you prescription drugs at the lowest pre-negotiated rates. Show your
Celtic ID card at any of the 50,000 participating pharmacies nationwide
and receive substantial savings on your prescription drug purchases.
Underwriting:
Underwriting
of your application with Celtic normally takes five business days,
unless medical records are needed, then the process could take longer depending
on the doctor's office. Automatic underwriting provides same day approvals
for applications that are submitted online and are clean. Celtic is fairly
lenient compared to many other insurance companies, and often accepts applicants
who may have been turned down by other insurance companies.
It
is standard practice to request a Blood Pressure Inquiry on all applicants
who are currently being treated for or who have recently discontinued treatment
for high blood pressure. Certain conditions may be waived with a temporary
rider (usually for one to two years), or an indefinite rider.
Effective
dates:
The earliest
your coverage can go into effect is the day after you have signed your application.
You may request an effective date any time between 1 and 60 days after you
sign your application.
Please
note, if you are requesting an effective date of less than 21 days from
the time you complete the application, you may not receive notification
of your approval until after your effective date. If you have claims
during this period, they will be eligible for coverage if submitted after
you have been approved. Also note that you will be billed starting
on your requested effective date, even if you have not yet been notified
that you have been approved. This is very good for someone who does
not have any present coverage and would like for their benefits to begin
right away. For those who are already covered, it is suggested that
you maintain your current coverage in force until you have received notice
from either eFLHealthInsurance
or directly from Celtic that your coverage has been approved and
is in force.
How
to Apply:
Simply run
an instant quote
and select the plan you are interested in. Then select to apply
online or download the application, fill it out and fax it in to
us. We will then stay in touch with your during the underwritting
process to keep you informed of the progress.
About
Celtic Insurance of
Florida:
Celtic
Insurance Company is headquartered in Chicago, IL. Celtic
began operating in 1978 as a broker, insurance and reinsurance company for
group life and health coverage. Today, the company has narrowed its
focus and holds a strong commitment to the individual health marketplace.
Celtic
has been assigned an "A-" (Excellent) rating from
the A.M.
Best Company, an independent insurance rating organization.
A.M. Best assigned this rating after a thorough quantitative and qualitative
evaluation of a company's financial condition and operating performance.
For more than 10 years, Celtic has earned a rating of "Excellent"
for consistently demonstrating profitable operating results, high-quality
investment portfolio and favorable capital position. Celtic holds
no junk bonds, real estate or direct mortgage loans and maintains no outstanding
debt.
eFLHealthInsurance
is an independent
authorized Celtic agency.