Celtic insurance company is a scammer
individual health insurance policy - Complaint
GRAND RAPIDS, MICHIGAN -- a received a letter from my former insurance carrier that indicated that they were no longer going to continue having the type of coverage that I had, but offered that we could switch to celtic as of the first of the year(2012). It sounded great and mentioned also that we were quaranteed coverage and that we could not be refused because of a pre-existing condition. By the 1st of the year came I had received a letter welcoming me to Celtic insurance along with the following:booklet of the items covered, two cards showing a certificate number, and effective date of 1/01/2012. Also, a billing for the first quarterly premium, which was paid and sent out right away because it was later in December that this information all arrived in the mail. I just found out last week that my policy was terminated on 1/1/2012. they won't really give me a reason why it was terminated. they would only gave a fax number that I could fax an appeal of some sort. I plan to do that, but we all know how that is going to go. They claim the premium amount paid will be refunded although I have not seen it yet, nor a formal written termination notice. They only told me this over the phone. apparently, I never had coverage from day one. they were not very forthcoming with me and don't seem to care about their paying customers.