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is an independent adviser service offering free online support about any health reform issue. OnlineNavigator is not acting as agent for any qualified health insurance marketplace and is not affiliated with any federal or state programs. This service is available online 24/7 through email and social media sites usually with same day response. See the web site for details on privacy policy and terms of service.

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Key Data:
Address: 233 South Wacker Drive Suite 700.
Chicago IL 60606
Phone: 860-447-7990
A.M. Best Company Rating: B++ (Good)
Size: $67 billion total annual premiums
Parent Company is Centene Corporation  (NYSE: CNC).
low cost health insuranceCeltic Insurance

Celtic Insurance Company

Celtic Insurance Company is known for its financial stability and has made individual health its sole focus. The company is licensed in all states except New York. For more than 20 years, Celtic has consistently demonstrated profitable operating results, high-quality investment portfolio and favorable capital position. Celtic holds no junk bonds, real estate or direct mortgage loans and maintains no outstanding debt.

This company's stability and high coverage limits of up to $8 million have made it a preferred choice among high net worth individuals seeking long term individual health insurance coverage. The high deductible CeltiCare and Health Savings Account plans are the most popular choice of coverage.

Celtic Insurance Company products are available in 32 states.

Celtic Insurance Company’s strengths are in developing, marketing and selling commercial health insurance for children, individuals and families that are easy to understand, access and use. Centene Corporation acquired Celtic Insurance Company in 2008. Centene was founded in 1984 and has more than 1.1 million clients in seven states and reported 2007 revenue of $2.9 billion. It is a well-established company with a reputation of providing cost effective, quality healthcare.

Parent company Centene Corporation is a leading multi-line healthcare enterprise that provides programs and related services to individuals receiving benefits under Medicaid, including the Children's Health Insurance Program (CHIP), as well as Aged, Blind, or Disabled (ABD), Foster Care, Long-Term Care and Medicare (Special Needs Plans). The Company operates local health plans and offers a range of healthcare solutions for the rising number of uninsured Americans. It contracts with other healthcare and commercial organizations to provide specialty services including behavioral health, life and health management, managed vision, nurse triage, pharmacy benefits management and treatment compliance.

Centene's government-provided health plan subsidiaries include Bridgeway Health Solutions in Arizona, Access Health Solutions Sunshine State Health Plan in Florida, Buckeye Community Health Plan in Ohio, Peach State Health Plan in Georgia, Absolute Total Care in South Carolina, Managed Health Services in Indiana, Superior HealthPlan in Texas, CeltiCare Health Plan in Massachusetts and Managed Health Services in Wisconsin.
The CeltiCare products issued in Massachusetts are not issued by Celtic Insurance Company.

Comments and Reviews

6/14/2012 A.M. Best Company affirmed the FSR of B++ (Good) and ICR of “bbb+” of Celtic Insurance Company, Inc. (Chicago, IL). These companies are all subsidiaries of Centene, and the outlook for all ratings is stable.

3/4/2010 Celtic individual health insurance was the most popular plan selected by FreedomBenefits.net users year-to-date 2010.


News

6/1/2012 Celtic Insurance coverage no longer offers short term medical insurance. See the listing of alternatives at www.freedombenefits.net

12/18/2010 Celtic Insurance coverage is no longer available to individuals living in Colorado or New Hampshire. Numerous other product updates for 2011 are detailed at www.celticenrollment.com.

3/1/2010 Centene Corporation completed the sale of its Medicaid provider University Health Plans in New Jersey.

2/19/2010 A.M. Best Company reaffirmed the BBB+ financial rating of Centene Corporation and Celtic Insurance Company. The rating company cited the company's strong national market presence in 49 states, consistent premium revenue growth, growing specialty service revenue and positive net income levels as reasons for the affirmation of the rating. Centene has reported positive net income in 4 of the past five years. Offsetting the positive factors, A.M. Best cited the company's increasing reliance on management of various state Medicaid plans which are under increasing cost pressures. Centene completed a public stock offering in January 2010 that increased the company's net capital by $104 million.

1/3/2010 Celtic Insurance was awarded accreditation for Health Plan and Health Utilization Management by the URAC.


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This web site is independently owned and managed by Tony Novak operating under the trademarks "Freedom Benefits", "OnlineAdviser" and "OnlineNavigator". Opinions expressed are the sole responsibility of the author and do not represent the opinion of any other person, company or entity mentioned. Tony Novak is not an agent, broker, producer or navigator for any federal or state health insurance exchange but may provide uncompensated advice, reviews and referrals to these official resources. Novak is compensated as an accountant, adviser, affiliate consultant, marketer, reviewer, endorser, producer, lead generator or referrer to some of the other commercial companies listed on this site. Information is from sources believed to be reliable but cannot be guaranteed.