Celtic short term to long term renewable coverage

TDA | April 8, 2008

Q: I have been covered by Celtic short term medical insurance for a year and it has worked out great (I only had one claim) but I am thinking about switching to permanent renewable coverage for the long term. What is the difference between "Celtic Basic" and "CelticSaver" HSA?

A: Both "CelticBasic" and "CelticSaver HSA" are reliable low cost renewable health insurance plans available in most parts of the U.S. with a fast and easy online application.

The "CelticBasic" appeals more to younger people because of its $30 co-pay doctor visit coverage, first dollar (no deductible) preventative benefit and customizable prescription drug card options.

The "CelticSaver HSA" tends to be more attractive to older customers because all routine medical expenses are applied to the high policy deductible that can be covered in full with an optional tax deductible health savings account. Maximum insurance coverage is $5 million and $7 million, respectively.

Both plans offer the option of savings using the PHCS national PPO network doctors and hospitals. More information on coverage, limitations, pricing and online enrollment can be found at www.celticenrollment.com.


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