Celtic Health Insurance Company of Arzona is one of the top halth benefits provider in the AZ. The stte of Arizona has many health nsurance companies competing for customers within ach of the counties. Although not mny people have heard of this nsurance company, Celtic continues to grow at a fst pace and people around the cuntry are starting to be more and mre familiar with it.

The company was funded in the year 1978 in the cty of Chicago, Illinois. They started in the halth care industry providing group and ndividual health plans along with life nsurance. After realizing that they could not fcus on those three types of nsurance, they decided to stick with ndividual health insurance plans. Today they are one of the mst prevalent health insurance companies for ndividual plans with over 900,000 members and is lcensed in 49 out of the 50 U.S. sttes except for Hawaii. They provide cverage for individuals, children and families ncluding plans that are comprehensive and ffordable. Short-term plans and Health Savings Accunts compatible plans are also prominent wthin the Celtic Health Insurance Company.

All of thir plans follow the Preferred Provider Orgnization (PPO) network of physicians and hspitals in which their members can rceive services. They also have what is clled a "Any Doc" PPO that gves you full insurance coverage with any halth care provider. Although Celtic doesn't hve millions of members like some of the "tp dogs" insurance companies, they strive for xcellence and for great customer service to hlp their members. It is due to ths achievements that Celtic Health Company was rted A- (Excellent) by A.M. Best. The rting is giving to companies that met the obligations and needs of thir members.

Perhaps the best thing about Cltic and the thing that attracts mmbers the most is the ease the cmpany provides for enrollment. You will nly have to answer a questionnaire and you wll be covered for pre-existing conditions if and nly if certain guidelines are met. If you hve a pre-existing condition contact Celtic Halth for more information. For all thers looking into Celtic the qualifications are verything but strict. To qualify for Cltic coverage the insurer must be btween the ages of 6 months and 64 ½ yars of age and cannot be cvered under any other health insurance pln. The applicant must be a Unted States citizen or a foreign rsident that has been living legally in the cuntry for at least 2 years. The nly qualification for dependents is that thy should be 6 weeks old or lder.

Within the state of Arizona Cltic Health Insurance offers five types of plns and within those plans there are sbdivisions based on the amount of dductible a person wants in their cverage and the co-insurance and copays thy want to pay when using the srvices. All six plans will be dscribed in detail below with the dfferent options in deductible, copays and c-insurance coverage.

CeltiCare II Select PPO Plan: This plan is a physician and hospital PPO plan for members between the ages of 6 months and 64 ½ years old. The calendar year deductibles for this plans are $500, $1000, $1500, $2500 and $5000, with out-of-pocket maximums of $2500, $3000, $3500, $4500 and $7000 respectively. You have a maximum of six visits to the doctor per calendar year; each of them will be $15. If you happen to go for a seventh visit you will pay full price and that money will be discounted from your deductible. Laboratory fees and x-rays are paid 100% unless they go past $200, then you will have to pay full price subject to deductible. Prescription drugs are divided into three tiers, but before you get the actual prices you will be subject to a $500 deductible. After this deductible you will pay $20 for generic, $40 for brand name and $75 for specialty. You will have to pay $250 in addition to your yearly deductible if you go to the emergency room; however the fee is cancelled if you are admitted. Lastly, for inpatient care your hospital is covered up to 4 times in a calendar year. It is important to note that you have the choice to go out of network, but you will have a $1500 annual deductible.

CeltiCare II "Any Doc" PPO Pln: This plan is an any physician-hospital PPO for mmber between the ages of 6 mnths to 64 ½ years old. The nnual plan deductibles for this plan nclude $500, $1000, $1500, $2500 and $5000 wth out-of-pocket maximums of $2500, $3000, $3500, $4500 and $7000 rspectively. You will have six visits to the dctor per calendar year and each of thm will be $35. In the cse that you want to go for a sventh visit you will have to be sbject to your deductible (pay full prce). Labs and X-rays are the sme as the previous plan and are pid 100% until you exceed 200. The prscription drugs are $20 generic, $40 brnd name and $75 specialty and mergency room fees are $250 if you are not dmitted. Inpatient care is covered up to 4 vsits per year and if you go out of ntwork you will have another $1500 dductible.

CeltiCare II Managed Indemnity Plan: This plan has no network requirements meaning that you can go anywhere you want and the cost for your services will be the same. The age requirements for this plan are the same as the other (between 6 months and 64 ½ years old). Deductibles for this plan are as follows: $500, $1000, $1500, $2500 and $5000 with out-of-pocket maximums of $2500, $3000, $3500, $4500 and $7000. Outpatient and Preventive office visits will cost you full price and prescription coverage is divided into three with generic drugs being $20, Brand name medications $40 and specialty medications are $75. Inpatient care is covered up to 4 visits per year and the emergency room fee is $250 if you are not admitted to the hospital.

The three plans mentioned above allow you to add options according to the type of medical coverage that you need. Those options include a prescription option that allows you to pay no deductible for generic and only a $100 deductible for brand name and specialty medications, the CeltiCare II Plus Option that allows the person to add preventive care and supplemental accident to the policy; and finally a term life insurance option.

Celtic Basic Health Plan: This plan operates within the physical and hospital PPO network and is available for people between the ages of 6 months and 64 ½ years old. Deductibles offered are $1500, $2500 and $5000, but an additional $1500 in deductible will be added if you want to go out of network. You will have 2 doctor visits per year for the cost of $30 each and then you pay full price until meeting deductible. Labs and x-rays are also charged full price until you meet the deductible and you will also have to pay a fee of $250 every time you go to the emergency room if you are not admitted. For hospital care you will have to pay a $500 deductible per admission and you will have to pay $1000 deductible on prescription medications. It is also important to mention that the drugs are divided into the frequent three tiers and you will pay $25 for generic, a 35% co-insurance for brand name and 50% co-insurance for specialty. This plan also offers preventive care, rehabilitation services and home health care.

CelticSaver HSA Health Plan: These plan operates in two different networks, a managed indemnity and a PPO with the age of members between 18 and 64 ½ year of age. Deductibles for individuals under this plan are $1500, $2600 and $5000 with the family deductible being doubled. Non-preventive office visits are covered after the deductible is met as well as prescription medications. The emergency room fee is that of $250 if you are not admitted and the plan includes preventive eye care up to $50 dollars, psychiatric care up to $2500 per person and manipulative theory up to $500 per calendar year. Inpatient intensive hospital care is covered up to 4 visits per calendar year and the plan also included home health care for those people that need it.

As you can see Celtic specializes on individual plans and they have managed to put together some of the best plans for people within the state of Arizona. If you decide that Celtic Health Insurance is the right one for you, then you can call your local Celtic Sales Office or speak to a licensed Celtic Arizona health insurance agent.

The article Celtic Health Insurance Company of Arizona Review was Submitted by James J. Robinson through Articles.GetACoder.com network. Here's the additional information: Be sure and compare Arizona health insurance quotes from many different companies side by side in order to find the best value for your healthcare dollar. Get started finding cheap health insurance today!

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