This health insurance plan review is based on one man’s understanding of the private medical plans available to Connecticut residents and the feedback that I’ve received from my clients regarding the coverage offered by Celtic Life Insurance Company. It is also limited to the individual and family health insurance plans available for Connecticut residents on a non-group basis.
Celtic – Network of Doctors and Hospitals
Celtic’s list of physicians & hospitals is smaller when compared with the lists of Anthem Blue Cross, Connecticare and Aetna.
However, if your physician or physicians is on their list or you are comfortable changing doctors the smaller doctor’s list may not affect you. You should be able to find a doctor on Celtic’s list who is a short drive from anywhere in Connecticut. Also, if your local hospital is on the list, their smaller hospital list may not affect you either.
Celtic – Quality of Coverage
The Connecticut Insurance Department includes Celtic on their list of Companies with Approved Individual Health Insurance Policies. Some companies may offer better coverage in certain areas, but Celtic offers substantial coverage. We are comfortable recommending them when their prices are competitive. This company does not offer maternity coverage. The only plans offered to individuals by private insurers that cover maternity are offered by Anthem Blue Cross Blue Shield and Connecticare
Health Insurance Premiums
Celtic’s pricing is competitive although not remarkable for most ages and zip codes.
My Opinion of Celtic Health Insurance plans offered in Connecticut
- Network in Connecticut: C
- Network outside Connecticut: C
- Coverage: B
- Exclusions and Limitations: B
- Pricing: B
I believe that Celtic often offers the excellent coverage. However, where their pricing is higher or only slightly lower than companies with better networks such as Anthem Blue Cross, Connecticare and Aetna, I will recommend those companies. Therefore, I rarely recommend Celtic although it is a good company that pays their claims and offers substantial coverage.