For over 20 years, Celtic has been rated ‘A-’ for Excellent
in A.M. Best. This rating was awarded
based on financial stability and strength in the health insurance
industry. The top insurance plans that
Celtic offers Maryland residents are Celtic’s Basic Health Plan, CeltiCare
Preferred Health Plan and Health Savings Account health plans.
For an in depth Celtic Insurance Plan Summary in Maryland, visit
The Basic Plan is one of the most affordable Celtic options
available for Maryland residents. It
offers a couple high deductible options and preferred provider options with
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 for the Celtic Basic Plan.
High Deductible Health Plan (HDHP) options, such as
CelticSaver plans, are ideal for younger and healthier individuals where medical
emergencies are a rarity, since they are a form of “catastrophic
coverage.” High deductible plans are
generally partnered with low monthly premiums.
Deductibles range from $1,500 to $5,000 for individuals.
CeltiCare Preferred Health Plan is a Preferred Provider
Organization plan. Preferred Provider
Organizations are part of the main three insurance plan options; Health
Maintenance Organization (HMO) plans, Preferred Provider Organization (PPO)
plans and Point of Service (POS) plans.
PPO plans allow members to choose out-of-network providers whereas HMOs
require members to choose from in-network care providers. While PPO plans give their members freedom to
choose, copays are also generally higher than that if in-network care providers
were chosen. Point of Service plans are
the most flexible and generally most expensive and Health Maintenance
Organizations are the least flexible and generally least expensive of the
For more information on health insurance with Celtic, visit
Health Insurance page.
information about Celtic plans
in Maryland, contact us at