Established in Chicago as a holding company, a subsidiary of Celtic Group, Inc. started a broker, insurance, and reinsurance division in 1978 for group life and health plans. Within two years, they acquired a health insurance company in operation since 1949, and was able to introduce its products in 49 states. As of 1986, Celtic Insurance Company has sold individual health insurance plans throughout the country, and has undergone many changes. Purchased by Centene Corporation in 2008, Celtic now offers individual health insurance products exclusively, as Centene provides numerous products for government-sponsored coverage. Celtic is rated by A.M. Best with a B++ (Good) based on their financial strength and future as a company.
Celtic offers Tennessee residents three variations of PPO plan, each connecting members to the same network of doctors, facilities, and hospitals. Premiums range based on the plan you choose and the region where you live. Certain plans offer coverage for a copay on doctor’s office visits and prescriptions, while others are compatible with health savings accounts. All Celtic PPOs provide the flexibility to seek medical care through Celtic’s network for a lower cost or a non-network doctor without a referral.
Celtic Individual Plans in Tennessee
If health insurance coverage is as high a priority as being conscious of your budget, the Celtic Basic plan is worth consideration. With various deductibles to choose from, these plans cover two office visits with a primary care doctor or specialist for a copay, as well as prescription medications. The higher your deductible, the lower your monthly premium, and the lower your coinsurance. After meeting your deductible, you pay 20 or 30 percent of the service cost for each of your covered benefits. Members have the added benefit of taking part in the Healthy Lifestyle Program to receive discounts and other rewards.
CelticCare Preferred Select
Higher premiums result in a more broad scope of coverage with Celtic’s comprehensive plan. These plans cover your first two doctor’s office visits and prescriptions for a low copayment, with coverage in full or at 80 percent when your deductible is met. Major medical services such as emergency care, hospital stays, outpatient surgery, mental health care, and chiropractic are covered at coinsurance, and preventive care is available for no cost. Healthy Lifestyle Program members may receive a cash reward and other benefits for making positive adjustments to their health.
For those who want more control over their medical expenses, a high-deductible HSA health plan is an ideal decision. CelticSaver HSA plans offer coverage on preventive care only before reaching your deductible, and the remaining covered services can be paid for through HSA funds to reach your deductible and gain tax benefits. Depending on the plan you choose, you may receive 80 or 100 percent coverage on in-network care once your deductible has been met. As with other Celtic plans, HSAs will allow you to seek care outside of the Celtic network, though in-network care offers prenegotiated, lower costs.
View plans from Celtic with personalized rates alongside other PPOs in your Tennessee city or town by filling out a quick health insurance quote. Call an agent with any questions at 888 803 5917.