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Eligibility Requirements--To qualify for CelticSaver HSA coverage, insured must be 18 years or over and under 64 1/2 years of age and must not be covered under any other health insurance plan or be claimed as a dependent on any tax return. Applicant must be a United States citizen or a foreign resident who has been living in the United States for at least two years under a permanent visa. Dependents must be 6 weeks or older. Underwriting--Your CelticSaver HSA application is individually underwritten based on the health history of you and your dependents to be covered. To effectively underwrite your application, Celtic must obtain as much medical information about you as possible. This is accomplished through the use of health questions on the application form and, in some instances, a follow-up medical questionnaire and/or telephone verification of information. In addition, Celtic may request medical records as necessary. If you answered "No" to the five health questions on the application, have acceptable occupations/avocations, and are within the Company's height, weight, and age guidelines, your agent can get coverage instantly with QuikCoverage, depending on your state's insurance regulations. Otherwise, please mail you application for underwriting. Credit for Prior Deductibles--If you choose to replace current insurance coverage with the CelticSaver HSA Health Plan, you will receive credit for satisfying any portion of the previous carrier's deductible in the same calendar year. Copies of EOBs (Explanation of Benefits) are required for proof of deductible. Creditable Coverage--Time spent under the CelticSaver HSA Health Plan may or may not count towards "creditable coverage" as defined in the Health Insurance Portability and Accountability Act, Public Law 104-191. Your individual circumstances, as well as state and federal law, will determine how much, if any, of your coverage under the CelticSaver HSA Health Plan is creditable coverage. If you intend to terminate your health insurance coverage with Celtic Insurance Company and replace it with other health insurance coverage, you should check with the new insurance company to find out if you have to show proof of insurability and meet a new pre-existing condition waiting period. Pre-Existing Conditions--A pre-existing condition is a sickness or bodily injury for which an insured person received a diagnosis, medical advice, consultation or treatment during the 12 months prior to the effective date, or for which an insured person had symptoms 12 months before the effective date which would cause an ordinarily prudent person to seek medical care or treatment. Celtic will provide full coverage of pre-existing medical conditions if certain specific guidelines are met. The applicant must fully disclose all pre-existing medical conditions on the application. Then, if they pass our underwriting guidelines, on a standard basis, we'll provide full coverage. Benefits are not paid for an insured person's undisclosed pre-existing condition until coverage has been in force 12 months from the effective date provided coverage was issued on a standard basis. When Coverage Begins and Ends--Your effective date will appear on the schedule page of your Certificate Booklet or Policy, provided that you mail in your premium payment with your application and are accepted for coverage. Coverage ends when:
Celtic's Health Care Certification Program--Health Care Certification is a benefit which is automatically included in the CelticSaver HSA Health Plan. The Health Care Certification Program promotes high-quality medical care and can help you better understand and evaluate your treatment options.
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