Forms & links for Celtic Insurance in Iowa Pricing & enrollment Online Help Center Contact information Find a network provider My Account (for returning visitors) Iowa insurance links at FreedomBenefits.net

Celtic Insurance in Iowa Products Available: CeltiCare is Celtic's best-known premier coverage for healthy applicants. The most current version of CeltiCare insurance (5.1)  has been available to individuals and families in Iowa since June 2010. Celtic Basic is a more affordable coverage for healthy applicants. The most current version of Celtic Basic (2.2) has been available to individuals and families in Iowa since June 2010. 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) has been available to individuals and families in Iowa since June 2010. Celtic Short Term Medical Insurance is available for 1 month or longer (up to a 6 or 12 month maximum) with more liberal eligibility requirements. Short term coverage is less expensive because it does not pay the cost of prior medical conditions. The current version of Celtic STM (2.2) is available to individuals and families in Iowa. 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 (except where indicated) health plans have the following significant variations in coverage in accordance with state law:

• Contraceptive Coverage including outpatient contraceptive services.
• Dental General Anesthesia – coverage is provided for general anesthesia and related facility charges if an insured is developmentally disabled or for a child under the age of five if deemed medically necessary by the primary care physician.
• Human Papilloma Virus Vaccine – for all females as recommended by a physician. (Not applicable to Celtic Basic policies).

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 Iowa

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.

July 1, 2011 - Iowa Open Enrollment Information- The Iowa open enrollment period for child-only, under 19 individuals will be from July 1 – August 14 annually. For applications received during the open enrollment period, coverage shall be offered on a guaranteed issue basis. Eligibility An individual applying for coverage during the open enrollment period or during a qualifying event period shall not be eligible for guaranteed issue coverage if the individual has other coverage or if other coverage is available at the time of the effective date of coverage. Other coverage shall not include coverage through the Iowa Comprehensive Health Association (HIPIOWA) or HIPIOWA-FED.

Qualifying Event

A qualifying event shall mean one or more of the following:

• Within the past 30 days, the child became a resident of Iowa during a month that was not the child’s birth month;
• Within the past 30 days, an event of marriage, birth, adoption or placement for adoption occurs;
• The child was covered under a mandated continuation of a group health plan or group health insurance coverage plan until the coverage under that plan exhausted;
• Within the past 30 days, a court has ordered that coverage be provided for a spouse or minor or dependent child under a covered parent’s or guardian’s health insurance coverage;
• Within the past 30 days , the child lost creditable coverage as a result of termination of the parents or guardians employment or eligibility, the involuntary termination
of the creditable coverage, death of the child’s parent or guardian, or the divorce or legal separation of the child’s parent or guardian;
• Within the past 63 days, the child changes status and the parent or guardian becomes an eligible employee.

OnlineAdviser^TM Tony Novak reminds parents that an application for health insurance coverage may be made at any time without a qualifying event when the application includes a parent. A family-type application is not guaranteed acceptance so the applicants must meet regular health underwriting requirements when applying outside of the Iowa open enrollment program.

Apply For Coverage

If you have an eligible child that meets the criteria above and would like to apply for a child-only plan, please visit www.celticenrollment.com and click on the “Get Quote” button from the home page and complete the online application.

May/1/2011 Iowa residents using a paper application form should now use state specific application form U5-581-00241-I A for all individual medical insurance and group generic application form G5-800-00055 for short term insurance. The correct application forms are always automatically used when using the online enrollment system.

Product brochures in PDF format are updated for 2011:

• CeltiCare Preferred Health Plan
• Celtic Basic Health Insurance
• Celtic Health Savings Account
• Celtic Short Term Medical Insurance