Celtic Health

 
 
no of insurance (16)
  Over all Celtic Health Rating
 
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Celtic-Health

All about Celtic Health

Celtic is a major provider of individual health insurance plans through out the nationwide. Celtic Health also offers quality coverage tailored for kids, individuals and families in all stages of life. To meet the more clients needs Celtic has much improved their health insurance plans by implementing the more flexibility and the coverage policies, even they included a doctor and hospital PPO, low copay office visits and Rx Drug Card and preventive care options too.

The Celtic is providing a HSA health plan to there customers which is a qualified high deductible health plan designed to provide you with major medical coverage which will make your health plan even more affordable. You can deposit tax-deductible money into the HSA and use it to pay health care expenses throughout the year. While these plans are designed to be affordable, you will also enjoy the satisfaction of knowing you are protected against the cost of a major illness/injury.

Celtic Health has more deductible and coinsurance choices to meet everyone's needs and budgets. The main aim of Celtic Health care is to meet the today's challenges, respond quickly to industry demands and bring new ideas to the marketplace. Celtic has newly introduced a Celtic Care Health Plan for individuals and families such as the Celtic Value One Health Plan , the Celtic Saver HSA Health Plan and the Celtic Short-Term Health Plan are included by an expansive Celtic Product Portfolio.


Tell us what you think ! Let us know the Strengths and Weaknesses of Celtic Health ! Write unbiased opinions,share them with other customers and help them choose the best plan !

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Rate on a scale of 1 to 5, with 5 being the best

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By
Location Quincy,Illinois
Type of Insurance Health Insurance
Date: 01-05-2010
   
Coverage
Cost
Customer Services
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Summary
Poor customer service...not worth the lower premium..
 
By Unhappy Customer
Location Chicago,Illinois
Type of Insurance Health Insurance
Date: 12-15-2009
   
Coverage
Cost
Customer Services
Claims
Summary
My employer does not provide health coverage, which is why I have an individual plan with Celtic. I was happy with my Celtic insurance until I had to use it. Most of the costs were covered for my annual exam, but I had to go back for a follow up appointment and additional testing, only a portion of which was covered. The lab fees were very high and Celtic only covered about 60%, leaving me to pay the few hundred dollars they would not cover for the routine tests I needed. The coverage is fine as long as you don't get sick! Pretty useless. Pay higher premiums and get good coverage from Blue Cross or another carrier!! Celtic is not worth the hassle. The only reason I haven't had issues with their lousy customer service is that in my line of business I work directly with a Celtic wholesaler, who is the first person I call when I have an issue..
 
By Sonja Robinson
Location Crystal Springs,Mississippi
Type of Insurance Health Insurance
Date: 11-16-2009
   
Coverage
Cost
Customer Services
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Summary
I am currently a customer already and was looking to change my policy... I need to lower the deductible... Can you help?.
 
By
Location Durham,North Carolina
Type of Insurance Health Insurance
Date: 07-21-2009
   
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Cost
Customer Services
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Avoid Celtic at all costs. I have had a horrible experience with them from the beginning. They have terrible customer service. Everyone I have spoken to in the billing department has been rude and condescending to me. I have paid my bill, in full and on time every month and they still treat me like crap. It is impossible to get through to the billing department if you have any questions. You get horrible coverage for what you pay. They do not cover anything they deem preventative medicine, and will make your life exceedingly difficult if you try to file a claim for anything else..
 
By
Location tampa,Florida
Type of Insurance Health Insurance
Date: 05-14-2009
   
Coverage
Cost
Customer Services
Claims
Summary
I have a PPO with Celtic, high deductable w/ limited coverage..
 
By
Location Chicago,Illinois
Type of Insurance Life Insurance
Date: 11-04-2008
   
Coverage
Cost
Customer Services
Claims
Summary
I had hard time cancelling Celtic medical insurance. There policy is that if you paid the premium for the month, no refund even if you cancel anytime in month. They wont pay refund and give you a hard time..
 
By
Location Garden City,Kansas
Type of Insurance Health Insurance
Date: 10-10-2008
   
Coverage
Cost
Customer Services
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Summary
I am so thankful to get rid of Celtic Insurance. I called to make sure an ultrasound was covered at the hospital and they said it was covered, now I have a 600 dollar bill that they won't cover. Their customer service has always been rude and I can never understand what they are saying..
 
By sweets
Location asheville,North Carolina
Type of Insurance Health Insurance
Date: 09-11-2008
   
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Cost
Customer Services
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Thank you for your candid reviews of celtic health ins. because of your honesty i will not be purchasing my ins. from them. Thanks for saving me the head ache..
 
By
Location pontiac,Michigan
Type of Insurance Health Insurance
Date: 09-02-2008
   
Coverage
Cost
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Summary
I am so glad I am cancelling my celtic insurance policy!! The agents are rude and very unhelpful. When i first signed up I went through the online system. I had put in a date i wanted my policy to start (not knowing if they could approve it by then but as a date I was hoping for). Well that day came and went which was fine because I had other coverage but the problem was when I got my bill and was charged for the 1.5 months when I was waiting for them to approve the policy. They told me that because I put in writing a start date I had to pay from that point on. If I would have know it worked that way I would have put something months in advance down. All the question said was "What date would you like your policy to start on" Not "If you put this date down you will be charged from it no matter what" Even though when i asked them if for any reason i had to be hospitalized during that 1.5 months and I would have called them to pay for it they said "NO they wouldnt have!" I called numerous times and they told me a manager was going to call me and they never did. Then i had the same problem while cancelling my policy. I called and they told me I would have to pay for the whole month since i didnt give them a 30 day notice. It was BullS***. All my other policies I have been able to cancel the same day and then get reimbursed for the time left in the month. They told me I had to pay the rest of the month with no refund. They also said i could be penalized cause i had to close my old bank accounts down that my direct payment was linked up to because I was ROBBED AT GUNPOINT mind you. I HATE Celtic!! Choose another health care provider!!.
 
By Garrett
Location Chicago,Illinois
Type of Insurance Health Insurance
Date: 08-13-2008
   
Coverage
Cost
Customer Services
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Summary
I signed up with Celtic health insurance in June. I was quoted $x.xx a month and approved. When I got my bill it was $5 more per month. I called to ask about this and was rudely informed that "quoted prices are not guaranteed." I was told I could write a letter to ask them to reconsider. Over two months ago I went to the doctor. They have still not finished filing the claim! They say they are waiting on prior history from the doctor I visited and a hospital I have never heard of. I asked on the phone what this hospital is and I was told I'd have to talk to the investigations team. I asked if I could, and was told the investigation team does not take outside phone calls - I would have to write them a letter again(not email)!!! I dread having to call Celtic because their staff are not friendly and it seems they are trained to be as difficult as possible! I have scheduled my policy to be cancelled at the end of the year and I am switching providers..
 
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