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Celtic – Virginia

For 20 years, Celtic has had a rating of A- for excellent financial stability and strength in the health insurance industry by A.M.  Celtic offers a variety of health insurance plans to Virginia residents. 

For an in depth Celtic Insurance Plan Summary in Virginia, visit

The three main Celtic Insurance plans for Virginia residents are the Celtic Basic Plan, the CeltiCare Preferred Select Plan, and Health Saver HSA plans.

The Basic Plan offer high deductible health plans (HDHP) which are a form of catastrophic plans.  These plans are partnered with low premiums which make them attractive to young adults who have trouble finding an affordable health insurance plan in today’s economy.  However, because of the high deductible, the plan is recommended for young, healthy individuals where a medical emergency is a rare case.

The CeltiCare Preferred Select Plan is a form of a Preferred Provider Organization (PPO) plan.  PPO plans are different from Health Maintenance Organization (HMO) plans, in that PPO allows members the freedom to choose what health care provider s/he uses while HMOs require individuals to use only in-network primary care physicians, specialists and hospitals.  As a result, HMOs tend to be cheaper and the copay is higher in a PPO plan when an out-of-network provider is used.

The Basic Plan also offers PPO options with 80/20% coinsurance, where the member is responsible for the bottom number.  As of March 1, 2010, Celtic is now offering a 70/30% coinsurance level with $1,500 to $7,500 to choose from.

Health Savings Accounts are accounts where individuals are responsible for their health care dollars and choose where to spend them- copayments, medical procedures, etc.  Health Saver HSA plans offers this option.  Those who choose to have a Health Savings Account like to feel responsible over their health and therefore usually tend to live a healthier lifestyle.

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

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