You don't have to change doctors to realize  the advantage  of a low office visit copayment. With  the Celtic
                "Any Doc" PPO you have the flexibility to choose your own physician while saving money with the preferred
                rates of our prominent nationwide hospital network .In offering this PPO plan, Celtic is in partnership with
                Private HealthCare Systems  (PHCS), a widely-respected national network. 

                Note:The CeltiCare "Any Doc" PPO is available in areas in which there are Preferred Provider Hospitals.
                     
                Check Providers                                                                                           Get Quote / Apply Online 
 

Features/Benefits	70/30	80/20	100%
Coinsurance	70/30 Coverage after deductible of the next $10,000	80/20 Coverage after deductible of the next $5,000	100% Coverage after deductible
Deductibles	$1000, $2500, $5000, $10000	$250, $500 $1000, $2500, $5000, $10000	$1000, $2500, $5000, $10000
Out-of-Pocket Maximum	$4000, $5500, $8000, $13000	$1,250, $1500, $2000, $3500, $6000, $11000	$1000, $2500, $5000, $10000
Lifetime Maximum	$5,000,000	$5,000,000	$5,000,000
Non-preventive office visits to "Any"   Provider	$25 copay No Deductible Applies	$25 copay No Deductilbe Applies	$25 copay No Deductible Applies
Emergency Room Deductible (in addition to plan deductible)	$50 deductible per visit, if not admitted.	$50 deductible per visit, if not admitted.	$50 deductible per visit, if not admitted.
Out-of-Network Services at Doctors and Hospitals per occurrence	Eligible charges reduced additional 20% capped at $5,000.	Eligible charges reduced additional 20% capped at $5,000.	Eligible charges reduced additional 20% capped at $5,000
Supplemental Accident	$500 per injury	$500 per injury	$500 per injury
FREE RX Discount Card	An average savings of 15% at over 40,000 U.S pharmacies.   See Optional Benefits below.
Psychiatric Care*	Inpatient annual maximum of $2,500 per person, per calendar year.   Outpatient annual maximum of $1,000 per person per calendar year.  Lifetime maximum of $10,000 per person per inpatient and outpatient combined.
Manipulative Therapy (benefits vary by state)	$500 maximum per person, per calendar year.
Hospital	Average semi-private room rate.   Intensive care at four times the average semi-private room rate.
Home Health Care	30 visits per person, per calendar year, one visit per day.
Rehabilitation Facility	Inpatient - up to 30 days confinement per person, per calendar year.
Rehabilitation Therapy	Outpatient - up to 30 visits per person, per calendar year.
Extended Care Facility	Up to 12 days of confinement, per person, per calendar year.
Transplants	Covered up to amount negotiated by network if Transplant Network used; capped at $100,000 per procedure if insured goes out of network.
Ambulance	$3,000 covered per person, per calendar year for emergency air or ground ambulance service.
Optional Features/Benefits	CeltiCare Plus Option Outline Term Life Insurance Option (not available in all states)

                Important Note:The information contained on this web page and the other linked pages is not intended
                to provide full details of Celtic health insurance plans and may change at the discretion of Celtic Insurance                 Company.Benefits and Plan details may  vary by state. Complete terms of coverage  are outlined  in the
                individual  Certificate Booklets  and set forth  in the applicable insurance policy. In applying for coverage,
                the primary insured agrees to be bound by the Certificate or Policy.The benefits described in these pages
                and any accompanying literature are the standard benefits offered by Celtic. Policy provisions vary in
                some states.

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