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CeltiCare "Any Doc" PPO Plan
(Hospital Network Only)

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. 

Coinsurance80/20 Coverage after deductible of the next $5,000100% Coverage after deductible
Out-of-Pocket Maximum$1,250$1,500$2,000$1,000$2,500$5,000
Lifetime Maximum$5,000,000$5,000,000
Non-preventive office visits to any doctor$25 copay$25 copay
Emergency Room Deductible (in addition to plan deductible)$50 deductible per visit, if not admitted.$50 deductible per visit, if not admitted.
Out-of-Network Services at Hospitals per occurrenceEligible charges reduced additional 20% capped at $5,000 per occurrence.Eligible charges reduced additional 20% capped at $5,000 per occurrence. 
Supplemental Accident$500 per injury$500 per injury
FREE RX Discount CardAn average savings of 15% at over 40,000 U.S pharmacies. 
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.
HospitalAverage semi-private room rate.   Intensive care at four times the average semi-private room rate.
Home Health Care30 visits per person, per calendar year, one visit per day.
Rehabilitation FacilityInpatient - up to 30 days confinement per person, per calendar year.
Rehabilitation TherapyOutpatient - up to 30 visits per person, per calendar year.
Extended Care FacilityUp to 12 days of confinement, per person, per calendar year.
TransplantsCovered up to amount negotiated by network if Transplant Network used; capped at $100,000 per procedure if insured goes out of network.
Optional Features/BenefitsCeltiCare Plus OptionTerm 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 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 and Trust agreement.   In applying for coverage, the primary insured agrees to be bound by the Certificate.  The benefits described in these pages and any accompanying literature are the standard benefits offered by Celtic.  Policy provisions vary in some states.