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Celtic Insurance in Wisconsin 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 Wisconsin 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 Wisconsin 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 Wisconsin 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 most current version of Celtic STM (3.0) has been available to individuals and families in Wisconsin since June 2010. 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:

• 10 Day Free Look
• Blood Lead Tests -For children under 6 years of age. Minimum of 2 screenings one at 12 months and 1 at 24 months of age.
• Home Health Care - 40 visits.
• Manipulative Therapy - No annual or lifetime maximum.
• Skilled Nursing Facility or Extended Care Facility - Up to 30 days of confinement per occurrence.
• Temporomandibular Joint Disorder (TMJ) – only if the condition is caused by congenital developmental disease or injury. Dental Care – charges for hospital and ambulatory surgical facilities, including general anesthesia for a child under age 5 or an individual with a chronic disability or a medical condition that requires hospitalization or general anesthesia for dental care.
• Immunizations – for dependent children from birth to age 6. The deductible, coinsurance or copayments do not apply.
• Kidney Disease Treatment – inpatient or outpatient including dialysis, transplantation and donor-related services up to a maximum of $30,000 per policy year. (Not applicable to Celtic Basic).

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 Wisconsin

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.

5/1/2011 Wisconsin residents using a paper application form should now use state specific application form U5-581-00241-WI for all individual medical insurance and state specific application form U5-589-00249-WI for short term insurance. 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 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

9/7/2010 The Wall Street Journal reports that about half of the 18% increase in Celtic Insurance Company's rates in Wisconsin comes from complying with new federal and state health laws known as Obamacare. Health insurance industry observers say the increase was expected due to expansion of costly coverage skewed toward high risk individuals while Obama officials threaten retaliation against insurance companies who criticize the new law.