Celtic Health Insurance Company of Arizona is one of the top health benefits provider in the AZ. The state of Arizona has many health insurance companies competing for customers within each of the counties. Although not many people have heard of this insurance company, Celtic continues to grow at a fast pace and people around the country are starting to be more and more familiar with it.The company was founded in the year 1978 in the city of Chicago, Illinois. They started in the health care industry providing group and individual health plans along with life insurance. After realizing that they could not focus on those three types of insurance, they decided to stick with individual health insurance plans. Today they are one of the most prevalent health insurance companies for individual plans with over 900,000 members and is licensed in 49 out of the 50 U.S. states except for Hawaii. They provide coverage for individuals, children and families including plans that are comprehensive and affordable. Short-term plans and Health Savings Accounts compatible plans are also prominent within the Celtic Health Insurance Company.All of their plans follow the Preferred Provider Organization (PPO) network of physicians and hospitals in which their members can receive services. They also have what is called a “Any Doc” PPO that gives you full insurance coverage with any health care provider. Although Celtic doesn’t have millions of members like some of the “top dogs” insurance companies, they strive for excellence and for great customer service to help their members. It is due to this achievements that Celtic Health Company was rated A- (Excellent) by A.M. Best. The rating is giving to companies that meet the obligations and needs of their members.Perhaps the best thing about Celtic and the thing that attracts members the most is the ease the company provides for enrollment. You will only have to answer a questionnaire and you will be covered for pre-existing conditions if and only if certain guidelines are met. If you have a pre-existing condition contact Celtic Health for more information. For all others looking into Celtic the qualifications are everything but strict. To qualify for Celtic coverage the insurer must be between the ages of 6 months and 64 ½ years of age and cannot be covered under any other health insurance plan. The applicant must be a United States citizen or a foreign resident that has been living legally in the country for at least 2 years. The only qualification for dependents is that they should be 6 weeks old or older.Within the state of Arizona Celtic Health Insurance offers five types of plans and within those plans there are subdivisions based on the amount of deductible a person wants in their coverage and the co-insurance and copays they want to pay when using the services. All six plans will be described in detail below with the different options in deductible, copays and co-insurance coverage.CeltiCare II Select PPO Plan: This plan is a physician and hospital PPO plan for members between the ages of 6 months and 64 ½ years old. The calendar year deductibles for this plans are $500, $1000, $1500, $2500 and $5000, with out-of-pocket maximums of $2500, $3000, $3500, $4500 and $7000 respectively. You have a maximum of six visits to the doctor per calendar year; each of them will be $15. If you happen to go for a seventh visit you will pay full price and that money will be discounted from your deductible. Laboratory fees and x-rays are paid 100% unless they go past $200, then you will have to pay full price subject to deductible. Prescription drugs are divided into three tiers, but before you get the actual prices you will be subject to a $500 deductible. After this deductible you will pay $20 for generic, $40 for brand name and $75 for specialty. You will have to pay $250 in addition to your yearly deductible if you go to the emergency room; however the fee is cancelled if you are admitted. Lastly, for inpatient care your hospital is covered up to 4 times in a calendar year. It is important to note that you have the choice to go out of network, but you will have a $1500 annual deductible.CeltiCare II “Any Doc” PPO Plan: This plan is an any physician-hospital PPO for member between the ages of 6 months to 64 ½ years old. The annual plan deductibles for this plan include $500, $1000, $1500, $2500 and $5000 with out-of-pocket maximums of $2500, $3000, $3500, $4500 and $7000 respectively. You will have six visits to the doctor per calendar year and each of them will be $35. In the case that you want to go for a seventh visit you will have to be subject to your deductible (pay full price). Labs and X-rays are the same as the previous plan and are paid 100% until you exceed 200. The prescription drugs are $20 generic, $40 brand name and $75 specialty and emergency room fees are $250 if you are not admitted. Inpatient care is covered up to 4 visits per year and if you go out of network you will have another $1500 deductible.CeltiCare II Managed Indemnity Plan: This plan has no network requirements meaning that you can go anywhere you want and the cost for your services will be the same. The age requirements for this plan are the same as the other (between 6 months and 64 ½ years old). Deductibles for this plan are as follows: $500, $1000, $1500, $2500 and $5000 with out-of-pocket maximums of $2500, $3000, $3500, $4500 and $7000. Outpatient and Preventive office visits will cost you full price and prescription coverage is divided into three with generic drugs being $20, Brand name medications $40 and specialty medications are $75. Inpatient care is covered up to 4 visits per year and the emergency room fee is $250 if you are not admitted to the hospital.The three plans mentioned above allow you to add options according to the type of medical coverage that you need. Those options include a prescription option that allows you to pay no deductible for generic and only a $100 deductible for brand name and specialty medications, the CeltiCare II Plus Option that allows the person to add preventive care and supplemental accident to the policy; and finally a term life insurance option.Celtic Basic Health Plan: This plan operates within the physical and hospital PPO network and is available for people between the ages of 6 months and 64 ½ years old. Deductibles offered are $1500, $2500 and $5000, but an additional $1500 in deductible will be added if you want to go out of network. You will have 2 doctor visits per year for the cost of $30 each and then you pay full price until meeting deductible. Labs and x-rays are also charged full price until you meet the deductible and you will also have to pay a fee of $250 every time you go to the emergency room if you are not admitted. For hospital care you will have to pay a $500 deductible per admission and you will have to pay $1000 deductible on prescription medications. It is also important to mention that the drugs are divided into the frequent three tiers and you will pay $25 for generic, a 35% co-insurance for brand name and 50% co-insurance for specialty. This plan also offers preventive care, rehabilitation services and home health care.CelticSaver HSA Health Plan: These plan operates in two different networks, a managed indemnity and a PPO with the age of members between 18 and 64 ½ year of age. Deductibles for individuals under this plan are $1500, $2600 and $5000 with the family deductible being doubled. Non-preventive office visits are covered after the deductible is met as well as prescription medications. The emergency room fee is that of $250 if you are not admitted and the plan includes preventive eye care up to $50 dollars, psychiatric care up to $2500 per person and manipulative theory up to $500 per calendar year. Inpatient intensive hospital care is covered up to 4 visits per calendar year and the plan also included home health care for those people that need it.As you can see Celtic specializes on individual plans and they have managed to put together some of the best plans for people within the state of Arizona. If you decide that Celtic Health Insurance is the right one for you, then you can call your local Celtic Sales Office or speak to a licensed Celtic Arizona health insurance agent.