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The CelticSaver HSA Health Plan is a qualified high deductible health plan designed to provide you with major medical coverage including up to $5,000,000 of reliable health insurance protection combined with a Health Savings Account (HSA) option to make your health plan even more affordable. 

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What is covered

Exclusions and Limitations

Eligibility Information

 

CelticSaver HSA Health Plan

Plan Summary

Features/Benefits Specifics
Eligibility Ages 18-64 1/2 years*
Plan Options PPO Managed Indemnity
Coinsurance In-Network - 100% coverage after Ded.

Out-of-Network - eligible charges reduced additional 20%

 100% coverage after Ded.
Annual Deductibles Individual - $1,500, $2,600, $5,000   Family - $3,000, $5,150, $10,000
Lifetime Maximum $5,000,000 per person
Non-Preventive office visits 100% after deductible
Prescription Drugs 100% after deductible
Preventive Care Eligible expenses for medical services and supplies incurred for preventive care in an asymptomatic individual are covered up to $300 per person per calendar year, which includes $50 for routine eye exams. 
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** $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.
Value-Added Features/Benefits

Preferred Rates - Preferred rates are available for qualifying applicants.  Applicants and/or their spouses who have not used tobacco in the past 12 months will also receive additional premium savings.