Celtic Insurance of Florida  

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Celtic Health Insurance of Florida

When Applying Online, Celtic's $25 application fee is waived.
There is a $25 application fee when applying by mail.

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. 

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