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Celtic - Maryland

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 80/20% coinsurance.

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 three. 

For more information on health insurance with Celtic, visit our Celtic Health Insurance page.

For more information about Celtic plans in Maryland, contact us at 877-567-5267.