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OnlineAdviser forum
Celtic Insurance rate increaseA member asks: I have been a loyal Celtic plan holder for years. However, my plan has leaped in price by more than 50 dollars per month without cause or explanation. I need assistance with this ASAP. OnlineAdviser responds:While we are sympathetic to your situation and am available to help you find a solution, we should begin this response by pointing out that it would be difficult to name any major medical insurance policy from any company that has not increased by a similar amount over the past year. Not to be flip, but that is why we call this a national crisis. Still, there are options to explore. Please start by calling Celtic Insurance member services (800-477-7990) and explain your situation and budget. They will be able to propose alternate plan designs that cost les but do not significantly affect your coverage. We do not have access to the insurance company’s records but the member services representative will be able to address this issue quickly. Second, consider that Celtic Insurance is not usually the low cost insurance leader since this carrier focuses on providing high quality coverage to affluent clients. Unitedhealthcare Golden Rule Insurance is usually a lower cost carrier in the markets where it is offered. Columnist Tony Novak answers guest questions in a wide range of consumer finance issues. Health insurance questions and responses are published here to help others with the same issues. Personal information is removed from the question prior to publication. Novak has addressed more than 50,000 consumer finance questions in newspapers, radio television and Internet over a span of 24 years. An expanded biography is published at www.tonynovak.com. Novak is frequently compensated for endorsement of the companies covered in the forum. Advise is from sources believed to be reliable but cannot be guaranteed. OnlineAdviser comments represents the opinion of the adviser only and not represent the position any other person or business. This service is provided without charge on a best-efforts basis. Neither Freedom Benefits nor the adviser assume any liability for the effects of reliance on this advice. Have a Question? Ask OnlineAdviser for a fast professional response. |
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