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. Other limitations and exclusions are listed in the Celtic Short-Term policy and may vary according to the state in which you reside.