Short Description Of Celtic & Golden Rule's Health Plans
Celtic DOES have a 12-month rate guarantee.
CeltiCare Select PPO 80/20 Plan: 80/20 coinsurance to $10,000, $15 copay for in-network physician visits (limit 6 per person per year, 7th & subsequent visits subject to deductible and coinsurance).
$500 deductible - $1000 deductible - $1500 deductible - $2500 deductible - $5000 deductible
CeltiCare Select PPO 100% Plan: No Coinsurance, rest of coverage is same as Select PPO 80/20 Plan.
$2500 deductible - $5000 deductible
CLICK HERE FOR PLAN DESCRIPTIONS & TO APPLY ONLINE
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CeltiCare “Any Doc” PPO 80/20 Plan: 80/20 coinsurance to $10,000, $35 copay visits to Any doctor (limit 6 per person per year, 7th & subsequent visits subject to deductible and coinsurance).
$500 deductible - $1000 deductible - $1500 deductible - $2500 deductible - $5000 deductible
CeltiCare “Any Doc” PPO 100% Plan: No Coinsurance, rest of coverage same as “Any Doc” PPO 80/20 Plan.
$2500 deductible - $5000 deductible
CLICK HERE FOR PLAN DESCRIPTIONS & TO APPLY ONLINE
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Celtic Basic PPO Plan: 80/20 coinsurance to $10,000, $30 copay for non-preventive doctor visits in network (limit 3 per person per year, 7th & subsequent visits subject to deductible and coinsurance).
$1500 deductible - $2500 deductible - $5000 deductible
CLICK HERE FOR PLAN DESCRIPTIONS & TO APPLY ONLINE
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Celtic Health Savings Account (HSA) Plan:
$3000 deductible - $5150 deductible - $10000 deductible
CLICK HERE FOR PLAN DESCRIPTIONS & TO APPLY ONLINE
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***Important: Celtic does not offer a monthly pay option for their Short-Term Plan. The Celtic Short-Term Plan is something to look at if you have a good idea of how long you will need short-term coverage. If you do not know how long you will need short-term coverage, then one of the other Short-Term Plans may be what you should look at. Approval takes about 2-3 days. Effective on January 1, 2003, Celtic Short-Term became a one-term policy with a choice of one to six months of coverage. There is no longer an option to reapply for another term. **
Short-Term: Once deductible is satisfied, 80/20 coinsurance to $5,000, then Short-Term pays 100% of covered expenses. Deductible applies to doctor visits. May have an effective date as soon as the day after you send the application.
Multiply the monthly premium shown below by how many months you will need coverage will equal what your short-term premium will be.
$250 deductible - $500 deductible - $1000 deductible
CLICK HERE FOR PLAN DESCRIPTIONS & TO APPLY ONLINE
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Golden Rule DOES have a 12 month rate guarantee
$3 Million Lifetime Maximum
*Optional Maternity $4,000 Benefit - $106.40
*Optional Maternity $2,500 Benefit - $66.50
CoPay Select: (80/20 coinsurance to $10,000, $25 copay for in-network doctor visits, No deductible for generic prescription drugs with a $20 copay, $150 deductible for name brand drugs with a $50 copay.)
$500 deductible - $1,000 deductible - $1,500 deductible - $2,500 deductible
CLICK HERE FOR PLAN DESCRIPTIONS, RATES, & TO APPLY ONLINE
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CoPay Saver: (80/20 coinsurance to $15,000, $35 copay for doctor visits with a max of 2 visits per person per year, Outpatient prescription drugs are NOT covered/ discount card only.)
$2,000 deductible
CLICK HERE FOR PLAN DESCRIPTIONS, RATES, & TO APPLY ONLINE
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Plan 100: (No coinsurance, Doctor visits covered 100% after deductible, Prescription drugs covered 100% after deductible - Optional drug card available with no deductible for generic drugs and $20 copay and $250 deductible for name brand drugs and $50 copay.)
$2,500 deductible - $3,500 deductible - $5,000 deductible
CLICK HERE FOR PLAN DESCRIPTIONS, RATES, & TO APPLY ONLINE
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Plan 80: (80/20 coinsurance to $15,000, Doctor visits covered 80% after deductible, Prescription drugs covered 800% after deductible - Optional drug card available with no deductible for generic drugs and $20 copay and $250 deductible for name brand drugs and $50 copay.)
$2,500 deductible - $3,500 deductible - $5,000 deductible
CLICK HERE FOR PLAN DESCRIPTIONS, RATES, & TO APPLY ONLINE
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Saver 80: (80/20 coinsurance to $15,000, Doctor visits not covered, Prescription drugs not covered - discount card only.)
$500 deductible - $1,000 deductible - $1,500 deductible - $2,500 deductible - $3,500 deductible - $5,000 deductible
CLICK HERE FOR PLAN DESCRIPTIONS, RATES, & TO APPLY ONLINE
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HSA 100: (No coinsurance, Doctor visits covered 100% after deductible, Outpatient prescription drugs covered 100% after deductible.)
$2,000 deductible (Monthly contribution to savings account limit is between $25 - $166.67)
$3,550 deductible (Monthly contribution to savings account limit is between $25 - $295.83)
$5,250 deductible (Monthly contribution to savings account limit is between $25 - $437.50)
$7,500 deductible (Monthly contribution to savings account limit is between $25 - $437.50)
$10,000 deductible (Monthly contribution to savings account limit is between $25 - $437.50)
CLICK HERE FOR PLAN DESCRIPTIONS, RATES, & TO APPLY ONLINE
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HSA Saver 100: (No coinsurance, Doctor visits not covered, Outpatient prescription drugs not covered - Discount card only.)
$2,000 deductible (Monthly contribution to savings account limit is between $25 - $166.67)
$3,550 deductible (Monthly contribution to savings account limit is between $25 - $295.83)
$5,250 deductible (Monthly contribution to savings account limit is between $25 - $437.50)
$7,500 deductible (Monthly contribution to savings account limit is between $25 - $437.50)
$10,000 deductible (Monthly contribution to savings account limit is between $25 - $437.50)
CLICK HERE FOR PLAN DESCRIPTIONS, RATES, & TO APPLY ONLINE
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Short-Term: (Once deductible is satisfied, 80/20 coinsurance to $5,000, then Short-Term pays 100% of covered expenses. Deductible applies to doctor visits. May have an effective date as soon as the day after you send the application.
$250 deductible -
$500
deductible - $1,000
deductible - $1,500 deductible
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Thank you for considering MultiQuote Insurance as your new health & life insurance agents!
***Please give us a call so that we can review these plans with you. Our agents work with health insurance every day and can be an extremely useful tool in helping you find the plan that best fits your budget and needs.**