Celtic – Georgia

Celtic offers a variety of health insurance plans to Georgia residents

The following plans give a variety of options depending on the individual’s or family’s health coverage needs:

Celtic Basic 1500                                                                                  Celtic Basic 2500

Celtic Basic 5000                                                                CeltiCare Preferred Select 500

CeltiCare Preferred Select 1000                                          CeltiCare Preferred Select 2500

CeltiCare Preferred Select 5000                                                                Saver HSA 1500

Saver HSA 2600                                                                                     Saver HSA 5000

For an in depth Celtic Insurance Plan Summary in Georgia, visit http://www.healthplanone.com/healthinsurancestatecarrierplans.asp

CeltiCare Preferred Select is a Preferred Provider Organization (PPO) health plan.  PPO plans differ from Health Maintenance Organization (HMO) plans in that PPOs offer individuals and families the freedom to choose out-of-network primary care physicians, specialists and hospitals.  HMOs require members to choose in-network health care providers, however HMOs tend to be a cheaper option.  If the individual decides to go to an out-of-network provider, there is a higher copayment to be paid.

This comprehensive plan is offered for children, adults and families.  There is a choice of 80/20% or 100/0% coinsurance options where the member is responsible for the bottom number.  Deductibles range from $500 to $5,000.  Additional options can be added on such as supplemental accident options and prescription drug coverage.  There is a $20 copayment for generic drugs.

The Celtic Basic Plan is one of the most affordable Celtic options in Georgia.  It offers high deductible options which are usually partnered with low premiums.  The ideal candidates for high deductible option plans are young and healthy individuals where emergency medical care is a very rare case.  The Celtic Basic Plan also offers Preferred Provider Organization options with 80/20% coinsurance and $1,500 to $5,000 deductible choices. 

As of March 1, 2010, Celtic is now offering 70/30% coinsurance level with deductibles ranging from $1,500 to $7,500.  There is a prescription drug option and a $200 wellness benefit.

Celtic Saver plans offer the Health Savings Account option.  Health Savings Accounts are for individuals who are interested in being in control where their health care dollars are spent and therefore lead healthier lifestyles.