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.
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.