Affordable Student Health Insurance
Cetic PostGrad: High Quality Affordable Student Health Insurance for the Real World
Whether you're a student or somewhere between graduation and that first job, you can't afford to be without health insurance. Busy students, honored graduates and proud parents agree that affordable student health insurance can ease the transition from high school to college or from college to the real world. That’s why there’s the Celtic PostGrad Health Plan, the inexpensive solution for anyone in need of a high quality, temporary health insurance plan.
Currently available in: AL, AZ, AR, CA, CT, DE, DC, FL, GA, ID, IL, IN, IA, KS, LA, MD, MS, MO, NE, NV, NM, NC, OH, OK, PA, TN, TX, WV, WI, and WY. What else is availble in my state?
Offering flexible, inexpensive coverage for most injuries and illnesses, the Celtic PostGrad Health Plan provides affordable student health insurance with these benefits:
- Temporary short term insurance for individuals and families 6 months to 64½ years of age
- Choice of money saving deductibles - $500, $1000 or $2500
- High quality benefits, including inpatient and outpatient coverage, doctor office visits, surgical fees and laboratory charges
- Freedom to choose length of coverage from 1 to 6 months – and applicants can apply for up to three terms for a total of 12 months of coverage!
Additional Benefits:
- Simple applications and fast underwriting
- Credit card payments accepted
- Guaranteed rates
- Prompt claims payment, no claim forms
- Superior toll-free customer service
Plan Information and Details
What is Celtic PostGrad?
Celtic PostGrad is a flexible, affordable student health insurance plan that covers most injuries and illness. You can apply up to three terms for a total of 12 months of coverage. Just choose a deductible level that best suits your budget, and the desired length of coverage, up to six months.
Who’s Eligible?
- U.S. residents between the ages of six months and 64½, not currently pregnant or covered under any other medical expense plan.
- Foreign residents living in the U.S. for at least two years, with proof of an Alien Registration Receipt Card or "Green Card."
Who’s The Plan Ideal For?
- Recent college graduates
- Those between jobs
- People awaiting coverage through an employer
- Recent military discharges
How Does The Plan Work?
Benefits are paid on covered expenses subject to the deductible you select. Once the deductible is satisfied, Celtic PostGrad pays 80% of the next $5,000 of covered expenses. After that, PostGrad pays 100% of covered expenses up to $2,000,000 per insured. The chart shows the most you will ever pay per person, per period (excluding premium payments), based on your deductible and eligible expenses.
Your Deductible
|
+20% Of The Next $5,000
|
=Maximum Out-of-Pocket
|
$500
|
+$1,000
|
=$1,500
|
$1,000
|
+$1,000
|
=$2,000
|
$2,500
|
+$1,000
|
=$3,500
|
What Does PostGrad Cover?
- Hospital semi-private room-and-board charges
- Hospital intensive care charges
- Hospital outpatient charges
- Inpatient psychiatric care
- Other miscellaneous hospital and physician services
- Doctor office visits and surgical charges
- Prescription drugs and blood products
- Radiology and laboratory charges
- Manipulative therapy
What is NOT covered?
The Celtic PostGrad Health Plan is not designed to cover pre-existing conditions. Specifically, a pre-existing condition is a medical condition or symptom that occurred prior to the effective date and was diagnosed by a physician with consultation, advice or treatment. It is also a medical condition or symptom which would cause a prudent person to seek diagnosis, care or treatment. Expenses resulting from a normal pregnancy, "well care" (such as routine physical exams, dental care except as a result of bodily injury), cosmetic surgery and outpatient psychiatric care are also excluded from coverage. Other limitations and exclusions are listed in the Celtic PostGrad policy and may vary according to the state in which you reside.
Please note: Celtic's PostGrad Health Plan is not renewable. If your temporary need continues beyond your policy term, you may apply for a new plan as long as no claims were incurred under a previous PostGrad Health Plan and there has been no significant change in your health. Celtic's PostGrad Health Plan is not designed to cover pre-existing conditions nor does it provide continuous coverage from term to term. And medical condition that began while the applicant was insured during a previous term on a Celtic PostGrad Health Plan policy, will not be covered under a new plan.
How Much Will It Cost?
Premiums are based on a number of factors, including choice of deductible, number of people covered, length of coverage, age, sex and where you live. Payment for the entire period of coverage must accompany the applications, and no refunds are issued in the event that coverage is not required for the full benefit period selected. Payment may be made by check, Visa or MasterCard. If paying by credit card, the payment section on the application must be completed.
Quote and apply for Celtic PostGrad!
How Do I File A Claim?
Submitting a claim couldn’t be easier. There are no forms to complete and payments are made quickly.
When Does Coverage Begin and End?
Coverage begins at 12:01 a.m. on the requested effective date. However, the effective date cannot be on or before the day you submit your application on-line, on or before the day your envelope is postmarked or on the 29th, 30th or 31st of the month. Coverage ends when your policy term has expired.
Plan benefits and availability may vary by state.
The features of the coverage shown are a summary for informational purposes only. Review the application form and the insurance certificate for a detailed description of the coverage of benefits, limitations and exclusions. Celtic Insurance Company reserves the right to change the terms of the coverage upon proper notification.
Short-Term Health Plan form number TRAN 300