Looking for affordable individual health insurance??

Beginning today for the young (19-35), Celtic is going to be the most affordable option without a reduction in benefits when comparing to Blue Cross and Blue Shield of Illinois, Aetna, Humana, UHC and Assurant.

It's simple...The plan is called the Celtic Saver HSA and has the following deductibles with 100% coverage after:

• $1,500
• $2,600
• $5,000

Below are the prices for single males living in Chicago applying for a $2,600 deductible:

Age                 Monthly Premium

25                        $86.67

30                        $97.22

35                        $124.02

40                        $155.83

Below are the prices for single females living in Chicago applying for a $2,600 deductible:

Age                 Monthly Premium

25                        $95.05

30                        $117.60

35                        $152.44

40                        $187.26

What these premiums provide is superior financial protection on any exposure to large claims from an accident or illness.

These plans can provide for an additional $8/month a preventative care benefit (annual physical or annual mamm and pap) to be covered at 100% after a 90 day waiting period.  With out the added benefit, the cost would be applied towards the $2600 deductbile.

All prescription drug costs will be applied towards the deductible then covered at 100%

All physician visits will be subject to the $2600 deductible then covered at 100%

This is insurance for accidents and illness or also known as major medical.  If you are looking for insurance to cover your office visits, than this is not it, nor is there any affordable coverage that does such.  office visit copayments only cover the cost of the visit....not any lab work, diagnostic tests or x-rays.  These are all considered deductible expenses.  You would end up paying anywhere from $30+/month to add a copay.

Call your current doctor and ask how much an office visit costs for someone without insurance.  What ever that # is, reduce it by 20-40% which is your network discount when you see a provider with-in the network, which in this case, is PHCS. www.phcs.com  The second largest network nationwide.  The final cost is what would be applied towards the deductible where as a copay would not.

but why such a high deductible???

$2,600 is not a high deductible...If you were hospitalized for a 2 days or more, the most you would pay is $2,600 on an average bill of $14k-$25k.  Is that a deal?  Does that sound like a high amount?  Also, any additional physician follow ups would be paid for at 100%.

I also forgot to mention that this plan is compatible with a HSA (Health Savings Account), which means that you would be allowed to pay for your deductible tax-free, lowering your true exposure and putting more money in your pocket.

It is a guarantee that you would owe more on this example with a plan that you currently have, with a much higher premium and probably a lower deductible.

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-THIS