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Celtic Insurance in Colorado Products Available: CeltiCare is Celtic's best-known premier coverage for healthy applicants. The version of CeltiCare insurance (5.0) available to individuals and families in Colorado requires that the applicant be a state resident for a mimimum of two years prior to enrollment. Celtic Basic is a more affordable coverage for healthy applicants. The most current version of Celtic Basic (2.1) available to individuals and families in Colorado requires that the applicant be a state resident for a mimimum of two years prior to enrollment. Celtic Saver HSA takes advantage of the cost-saving features of a Health Savings Account. High deductible insurance plans are comined with optional qualified savings accounts available at no additional cost. The most current version of Celtic Saver Health Savings Account plan (3.0) available to individuals and families in Colorado requires that the applicant be a state resident for a mimimum of two years prior to enrollment. All Celtic Insurance products are available with private quoting (no personal identifying data is required for online pricing), secure online enrollment, fast application processing and independent enrollment support though OnlineAdviser at no additional charge.

State-Specific Variations of Coverage

CeltiCare, Celtic Saver HSA and Celtic Basic insurance policies have the following variations in coverage in accordance with state law:

• 10 Day Free Look Term Life Option - Not available
• Child Health Supervision Services - Covered up to age 13. Deductible does not apply.
• Routine Nursery Care – Newborns covered up to 48/96 hours.
• Cleft Lip and Cleft Palate - for newborns to the extent that is medically necessary.
• Home Health Care - Up to 60 visits per year.
• Intractable Pain - up to $500 per year.
• Dental General Anesthesia - for dental procedures provided in a hospital or outpatient surgical facility for a dependent child who meets the requirements of the policy. Such services must be pre-certified.
• Inherited Enzymatic Disorder -for protein modified foods if prescribed by a physician.
• Including phenylketonuria. Cancer Screenings - deductible does not apply to mammography or prostate screenings.
• Cervical Cancer Vaccines as recommended by a physician.
• Hospice Care Charges – maximum of $9,100 per episode of hospice care.
• Congenital Defects and Birth Abnormalities – covered for children up to 5 years of age, includes physical, occupational and speech therapy up to 20 visits for each therapy per calendar year.
• Early Intervention Service Charges – for medically necessary services provided by a qualified early intervention service provider to an eligible child in accordance with Part C of the “Individuals with Disabilities Education Act, ages birth to 3 years old. Services provided shall have a maximum of $5725 per insured person per calendar year.

This information is based on a publication dated 3/1/2009 and may change in the future. See your specific policy certificate for details. In the event of a conflict between this information and the details of a policy, the policy will prevail.

Celtic Insurance News in Colorado

3/29/2012 Vision benefits through OptiCare Managed Vision are now offered on the CeltiCare Preferred, Celtic Basic and CelticSaver HSA plans. Visit www.OptiCare.com/celticvision to see complete details of the benefit.

10/21/2011 Celtic Insurance was temporarily unavailable in Colorado. CeltiCare Preferred, Celtic Basic and CelticSaver HSA health plans are now available again for quoting in Colorado.

Colorado open enrollment is a month-long open enrollment period when all children under the age of 19 are offered coverage on a guaranteed issue basis, without any limitations or riders based on health status. Beginning January 1, 2012, the open enrollment periods will be a month-long period in January and July. The open enrollment period shall be followed by a 30-day waiting period for the child-only plans to take effect.

5/1/2011 Colorado residents using a paper application form should now use state specific application form U5-581-00241-CO for all Celtic individual medical insurance plans. A replacement form, included with the application, is also required when replacing coverage. The correct application forms are always automatically used when using the online enrollment system.

Product descriptions are available for Colorao residents:

• Colorado health plan description Celtic Basic Fully Steered PPO plan
• Colorado health plan description Celtic Preferred plan
• Colorado health plan description Celtic Preferred PPO plan
• Colorado health plan description Celtic Saver HSA plan
• Colorado health plan description Celtic Saver HSA PPO plan
• Colorado health plan determination of eligibility for self-employed

Product brochures in PDF format are updated for 2011:

• CeltiCare Preferred Health Plan
• Celtic Basic Health Insurance
• Celtic Health Savings Account