January 1, 2010

Q: Could you please let me know whether my Celtic short-term insurance coverage is scheduled to begin on time. I completed a full application online but received the email below indicating that insurance was not in force.

A: Short term insurance coverage is confirmed on screen in real time with a follow-up confirmation sent by e-mail at the same time except when you might have elected to pay with a check by mail. In this case, coverage is not confirmed until the check has cleared. Your cleared check is your first proof that the transaction was completed. A mailed policy showing a "paid" status is then sent within a few days. If this is the case with your application, check your bank account for the status of your payment and then, if necessary, contact the insurer's member support department if there are any questions.

We do not recommend paying for insurance by check due to the the awkward nature of the communication of transaction details; it defeats many of the advantages offered by today's modern secure online enrollment systems. Electronic check draft, debit card or credit card payments are much better suited for these types of online transactions.

If you have not yet made payment of have concerns about the delivery of a payment check by the date you need coverage to start, simply re-enroll online at www.celticenrollment.com and make an electronic payment. This will give you an immediate written confirmation that coverage is in force. Then just cancel the first application (or the insurer will do it automatically). In either case, you will not be charged twice.

If you have any questions about the status of your coverage, call member services at (800) 477-7990.

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