Celtic Temporary Insurance
The Celtic Short Term Health Insurance. Temporary health insurance protection for when you are between jobs, laid-off, a temporary or part-time employee or waiting for other health insurance to start. Short term medical insurance can also be used as a low cost alternative to COBRA insurance.
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 oneterm,
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
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