Celtic Insurance "AnyDoc" PPOQ: What does CeltiCare II "AnyDoc" PPO mean? Is this a PPO plan or not?
A: This simply means that the PPO provisions of the policy apply to the hospital and hospitalization treatment, but not to doctors' treatment. This feature is best when your doctor is not a member of PHCS network (the national PPO used by Celtic Insurance). You still get maximum benefits without the need to change doctors.
While PHCS is one of the largest preferred provider networks in the country there are still many doctors, especially in rural areas, who are not members. In this case you still pay $25 per doctor visit and insurance pays the rest - regardless of the doctor's PPO membership. It is easy to check doctor or hospital membership at www.celticenrollment.com.