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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. 

<<  Click Here for a Celtic Temporary Health Insurance Quote <<


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.


Who’s eligible?

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. 



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