In operation since 1978, Celtic Group, Inc. was originally founded as a holding company in Chicago, which opened up a brokerage for group life and health insurance policies. As the business developed over the next two years, Celtic purchased a health insurance company that had been selling plans since 1949. Through this insurer’s broad contracting, Celtic could now offer its health plans in nearly every state. Celtic Insurance Company as we know it today has been selling individual health plans for over 25 years, and was acquired by Centene Corporation in 2008. Dedicated to its original goal of providing health insurance to singles and families throughout the country, Celtic remains a dependable insurer.
With an A.M. Best rating of B++ (Good) for their financial stability and outlook in the future, the company may not be among the most outstanding, but they are another option for those who need coverage. Celtic provides residents of Missouri with PPO coverage through a trusted network of providers. Giving you the choice between using in-network physicians and hospitals for a lower price, and out-of-network providers for a greater number of options, their coverage is available in basic, comprehensive, and HSA plan types.
Celtic Individual Plans in Missouri
Celtic Basic plans give people with a tight budget the ability to purchase a health plan that covers a main outline of medical services. This includes preventive care, covered in full, your first two doctor’s office visits for a copay, and generic prescriptions. For a lower premium, you can have the benefits of a PPO, with coverage on hospital care, physician services, and emergency room visits. Your plan covers 70 or 80 percent of your care after deductible, and members have the option of participating in the Healthy Lifestyle Program, an incentive program to improve your health.
CelticCare Preferred Select
Covering the most benefits of any Celtic plan, Preferred Select plans offer a wider range of services for a higher premium. Though there are also only two covered office visits for a copay, these plans provide coverage on brand name and non formulary prescriptions with a separate deductible. When the deductible is reached, you pay 20 percent coinsurance, or no service fee for hospitalization, surgeries, emergency care, mental health care, and other services as needed. Preventive care is covered in full, and members who use the Healthy Lifestyle Program can earn cash incentives, discounts, and other benefits to encourage weight loss, quitting smoking, and other healthy endeavors.
Celtic also offers a high-deductible plan that can be connected to a health savings account (HSA). This plan gives members the ability to fund and create their own account in order to specifically pay for medical services. CelticSaver HSA plans cover preventive care before your deductible, but all other services are subject to the annual amount. Once you have reached the deductible, your plan covers the entirety of your service cost for physician, pharmacy, and hospital services, or you pay 20 percent coinsurance. Using the Celtic provider network while you work toward your deductible, care is offered at a much lower cost than non-network providers.
Compare Celtic health insurance plans with the other Missouri health plans in your area, including personalized rates by getting a quote. Want to know more about Celtic or Missouri health insurance? Call one of our agents at 888 803 5917.