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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. 

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