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What is Temporary Health Insurance?

Temporary Health insurance provides comprehensive temporary medical insurance coverage that guards against catastrophic costs of unexpected medical bills. Temporary health insurance covers a wide variety of needs, from 30 to 365 days (depending on state of residency), and it allows you to use your own doctors and hospitals.
When you need affordable health insurance and are between permanent employer-sponsored plans, temporary health insurance offers gap coverage that can give you and your family peace of mind. In general, temporary health insurance policies cover physician services, prescriptions, X-ray, laboratory services, inpatient hospital stays, inpatient and outpatient surgeries, skilled nursing facility care and rehabilitation up to a lifetime maximum of $2 million.
LTCC is a trademark of Long Term Consumer Care, Inc.  All other products mentioned are registered trademarks of their respective companies. This web site is owned and operated by Long Term Consumer Care, Inc.

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< - Get a Quote on Celtic Health Insurance - >
Celtic Short-Term Health Plan
Short-Term major medical insurance that provides flexible, inexpensive coverage for most injuries and illnesses.  

Comprehensive Major Medical:

  • Temporary coverage for individuals and families 6 months to 64 ˝ years of age
  • Choice of money saving deductibles - $250, $500 or $1000
  • 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
  • Opportunity to purchase coverage as many as 3 times for a total of 12 months*

Additional Benefits For You:

  • Simple applications and fast underwriting
  • Credit card payments accepted
  • Guaranteed rates
  • Prompt claims payment, no claim forms
  • Superior toll-free customer service

I’m interested in learning more about the Celtic Short-Term Health Plan and how to receive a quote and apply on-line for this product.

* In Alabama only a one-time non-renewable Short-Term policy is offered.

Some plan benefits may not be available in all states.

The Celtic Short-Term Health Plan is not available in the following states: Alaska, Colorado, Hawaii, Kentucky, Maine, Massachusetts, Michigan, Minnesota, New Hampshire, New Jersey, New York, North Dakota, Oregon, South Carolina, South Dakota, Utah, Vermont and Washington


Plan Information and Details

What is Celtic Short-Term?

Celtic Short-Term is a high quality, temporary health care plan. You can apply up to three times for a total of 12 months of coverage.* Just choose the 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 64 ˝ , not currently pregnant or covered under any other medical expense plan.
  • Foreign residents living in the U.S. for at least three 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 Short-Term pays 80% of the next $5,000 of covered expenses. After that, Short-Term 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
$250 +$1,000 =$1,250
$500 +$1,000 =$1,500
$1,000 +$1,000 =$2,000

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What Does Celtic Short-Term 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 Short-Term 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. Each Short-Term policy is considered to be a new policy. Any conditions manifested during a Short-Term policy period will be determined as a pre-existing condition in subsequent policies and will not be covered. Other limitations and exclusions are listed in the Celtic Short-Term policy and may vary according to the state in which you reside.

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. (The credit card option in not available in AL.) If paying by credit card, the payment section on the application must be completed.

Yes, I would like to get a quote on the Celtic Short-Term Health Plan.

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 Celtic 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 and can be extended based on terms provided in the Certificate Booklet or Policy.

Coordination of Benefits

Celtic Short-Term is often purchased while waiting for permanent medical coverage to become effective. If, after your Celtic Short-Term Policy becomes effective, you obtain other coverage, your Celtic Short-Term Policy will remain in force for the full period for which it was issued. (Unused premium is non-refundable.) Normal coordination of benefit provisions will apply. Of course, you will be responsible for any deductibles required by your new plan.

* In Alabama only a one-time non-renewable Short-Term policy is offered.

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For More Information, Contact: Long Term Consumer Care, Inc.
Toll Free: (800) 544-9505
Product Availability Varies By State

Copyright© 2004, Long Term Consumer Care, Inc.

LTCC is a trademark of Long Term Consumer Care, Inc.