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Special Features
Celtic offers all new clients a waiver of the preexisting condition clause for any condition mentioned on the application that is not excluded. Celtic
health plans offer a choice of PPO or Managed indemnity plans with copayments at any doctor.
Rates and Service
Rate comparisons are most dependent on your area. The plan has not been competitive in the Urban areas. Customer service is also very
good with representatives having authority to resolve many issues. Most of the representatives are very helpful.
Underwriting and Billing
Celtic’s underwriting is very fast. It is not unusual to be approved the same week that the application is recieved. Celtic does do
post-underwriting for medical conditions that were not mentioned on the applicaiton.
Flexible, fast and fair Underwriting is a real strength of this plan. Celtic is more likely to do a pre-ex investigation if you have claims rather than check the records upfront. Medical records are rarely gone for. Bank draft is the most economical, add $5 or $8 for a monthly bill.
Renewal Rate History
Celtic renewals have slowed from an unacceptable level of 25% in 1998.
Current . Renewals with the old plan design are averaging 12-15% exclusive of age changes. This level is comprable with the Industry Median. The new CELTICARE product has not yet experienced a renewal cycle in Illinois. We will let you know when they come.
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