How the Plans Work

For the most part, our plan are designed like most traditional U.S. major medical plans where you share some costs at the beginning of a claim and the insurer takes on the rest when expenses get too great. Here is how it works:

CHOOSE THE RIGHT COVERAGE FOR YOU

Choose a
Plan

First, you choose the plan that best meets your situation and budget. Simply select from your choice of deductibles, and in some cases coinsurance and policy maximums.

Choose
Any Doctor

Since these plans are not designed like and HMO or PPO, you choose your own doctors and hospitals. The Celtic Ins. annual medical is the only exception to this - providing several levels of choice.

HOW CLAIMS GET PAID

First

You pay the deductible for each covered person

Then

Once the deductible is satisfied, the insurer typically pays a coinsurance equal to 80% of the next $5000 of covered expenses, you pay 20%. (this percentage varies by plans and is excluded for plans outside the US or Canada)

Thereafter

The insurer pays 100% of remaining covered expenses up to the plan maximum for each covered person on the plan

THINGS TO KNOW

Pre-existing
Conditions

Temporary and travel health plans (Fortis, HPA & IMG Patriot) exclude pre-existing conditions from their plans. Annual plans (Celtic Celticare & IMG Global Medical Ins.) require underwriting - meaning they will evaluate whether or not to include coverage for certain pre-existing conditions.

Wellness
Visits

Both the temporary and travel health plans do not cover wellness visits such as annual physicals, etc. They are designed to cover you for times of sickness or injury. Annual medical plans do have provisions for Doctor Copays and wellness visits.