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Celtic Health Insurance of Texas

When Applying Online, Celtic's $25 application fee is waived.
There is a $25 application fee when applying by mail.

Celtic Insurance of Texas has earned a rating of A (Excellent) from A.M. Best (an independent insurance rating organization) for more than 10 years. With a PHCS network of more than 320,000 physicians and ancillary care providers in all 50 states and the District of Columbia, Celtic Insurance serves 1.3 million people. This nationwide network protects you whenever you travel, and if you move to another state.

Celtic Insurance of Texas also brings you substantial savings on prescription drugs by working with the largest network of pharmacies in the country. You'll benefit from the lowest pre-negotiated rates at 50,000 pharmacies that participate across the nation.

Residents of Texas will find that Celtic Insurance in Texas offers the coverage they need at a price they can afford, and has a variety of plans that meet their coverage and financial limits. The high deductible plan helps you save by sharing small expenses, such as doctor visit costs. In the unfortunate event of major illness or injury with a catastrophic expense, you'll also have the assurance of knowing you are protected.

You can run an instant quote to see detailed information about plan details, limitations, and restrictions.  Or contact us and we will help you decide on a plan that is right for you and your family.

Rate Information:

All deductible options have a 12 month rate guarantee.

Preferred rates without riders are available on our instant quote page. The quoted rates are for the $7 million maximum benefit, and do not include any optional benefits. Rates depend on gender, smoking status, zip code, and health status.

The premium can be paid monthly or quarterly, or by an automatic monthly bank draft. The bank draft will occur on the premium due date each month. The initial premium can be paid with a check or credit card. If you choose to receive a monthly or quarterly billing statement, a $10 per bill fee will be charged.

Network:

Celtic's PHCS network includes more than 320,000 physicians and ancillary care providers in 50 states and the District of Columbia, serving 1.3 million PPO members.  The nationwide Celtic PPO network assures you access even when traveling or relocating to another state.

Celtic also partners with the largest network of pharmacies in the country to give you prescription drugs at the lowest pre-negotiated rates.  Show your Celtic ID card at any of the 50,000 participating pharmacies nationwide and receive substantial savings on your prescription drug purchases.

Underwriting:

Underwriting of your application with Celtic normally takes five business days, unless medical records are needed, then the process could take longer depending on the doctor's office. Automatic underwriting provides same day approvals for applications that are submitted online and are clean. Celtic is fairly lenient compared to many other insurance companies, and often accepts applicants who may have been turned down by other insurance companies.

It is standard practice to request a Blood Pressure Inquiry on all applicants who are currently being treated for or who have recently discontinued treatment for high blood pressure.  Certain conditions may be waived with a temporary rider (usually for one to two years), or an indefinite rider.

Effective dates:

The earliest your coverage can go into effect is the day after you have signed your application.  You may request an effective date any time between 1 and 60 days after you sign your application.

Please note, if you are requesting an effective date of less than 21 days from the time you complete the application, you may not receive notification of your approval until after your effective date.  If you have claims during this period, they will be eligible for coverage if submitted after you have been approved.  Also note that you will be billed starting on your requested effective date, even if you have not yet been notified that you have been approved.  This is very good for someone who does not have any present coverage and would like for their benefits to begin right away.  For those who are already covered, it is suggested that you maintain your current coverage in force until you have received notice from either eTXHealthinsurance or directly from Celtic that your coverage has been approved and is in force.

How to Apply:

Simply run an instant quote and select the plan you are interested in.  Then select to apply online or download the application, fill it out and fax it in to us.  We will then stay in touch with your during the underwritting process to keep you informed of the progress.

About Celtic Insurance of Texas:

Celtic Insurance Company is headquartered in Chicago, IL.  Celtic began operating in 1978 as a broker, insurance and reinsurance company for group life and health coverage.  Today, the company has narrowed its focus and holds a strong commitment to the individual health marketplace.

Celtic has been assigned an "A-" (Excellent) rating from the A.M. Best Company, an independent insurance rating organization.  A.M. Best assigned this rating after a thorough quantitative and qualitative evaluation of a company's financial condition and operating performance.  For more than 10 years, Celtic has earned a rating of "Excellent" for consistently demonstrating profitable operating results, high-quality investment portfolio and favorable capital position.  Celtic holds no junk bonds, real estate or direct mortgage loans and maintains no outstanding debt. 

eTXHealthinsurance is an independent authorized Celtic agency. 

Celtic Insurance of Texas in the News

Farsley Celtic in fight to save ground UPDATED (Yorkshire Evening Post)
Farsley Celtic's season may be all but over – but the fight to save their ground remains very much alive.

Celtic planning Pedersen bid (fansfc.com)
Celtic Football Club are being linked with a move for Morten Gamst Pedersen. The Norwegian international is out of contract at Blackburn Rovers in the summer, and he admits he faces an uncertain future at the Premier League side.

Slideshow: East Leeds Celtic v Burley United (Leeds Today)
Enjoy a picture slideshow of match action from East Leeds Celtic against Burley United in the Leeds Sunday League. (10/03/2010 09:00:00)

Celtic boss Mowbray reveals Boruc contract talks (tribalfootball.com)
Celtic boss Tony Mowbray has confirmed new contract talks with goalkeeper Artur Boruc.

Ex-Hearts boss Frail happy with role at Celtic academy (tribalfootball.com)
Former Hearts chief Stephen Frail is happy working in the youth system at Celtic . Frail battled to steady a rocking ship as Hearts manager, but his fight ended in vain as he was replaced at the conclusion of the 2007/2008 season. Now with Celtic , he told The Herald : “We have got scouts all over and nowadays I think you have to. “At a club the size of Celtic , you have to make sure that you ...

Celtic open talks with Boruc in bid to keep Pole (ESPN Soccernet)
Tony Mowbray has revealed that Celtic have opened contract talks with goalkeeper Artur Boruc. The Poland international's current deal is set to run out at the end of next season.

Arsenal, AC Milan linked with Celtic keeper Boruc (tribalfootball.com)
Arsenal are being linked with Celtic goalkeeper Artur Boruc. The Scottish Sun says Celtic are opening new contract talks with the Poland international. He's been watched by Arsenal and AC Milan since his bargain £1.1million move to Celts in 2006. Boruc has become a fans' favourite during five flamboyant and controversial seasons in the SPL and it's clear that Celtic are desperate to keep him.

Roma welcome Celtic move despite missing out (Reuters via Yahoo! UK & Ireland News)
Rugby Roma Olimpic have cautiously welcomed the decision to allow two Italian teams to enter the Celtic League next year despite missing out on inclusion and fearing the impact it might have on their side.

Purebreds head to York for Celtic Classic (The York Dispatch)
Thousands of purebred dogs from across the country will take the stage in York next week during the third annual Celtic Classic Dog Show.

Celtic start new contract negotiations with Artur Boruc (The Scotsman: Sport)
CELTIC today sent out a clear signal that they are keen on retaining the services Artur Boruc after manager Tony Mowbray confirmed that contract negotiations had been opened w