Insurer profile · NAIC + CMS
Celtic Insurance Company
Celtic Insurance Company's complaint record, claim-denial rate and reputation grade, drawn from published NAIC complaint data and CMS Transparency in Coverage.
- C
- Reputation grade
- 17.6%
- Claims denied
- 9
- States (CMS data)
The verdict
Celtic Insurance Company earns a C reputation grade - a record near the industry median, according to CMS Transparency in Coverage filings, 17.6% of its marketplace claims were denied across 9 states.
- C
- reputation grade
- 17.6%
- claims denied (CMS)
Graded on 1 of 3 measures: claim denials. The score is rescaled across the measures available, so it is not directly comparable with a carrier graded on more of them.
How we calculated this grade →NAIC CIS filing desk
NAIC NAIC C · 62.2
GRADE-C · INDEX-UNK · DENIAL-ELEV · RANK-UNK · PHOTO-SOLO · LINES-0 · BOOK-MID
- GRADE-C C · 62.2
- INDEX-UNK Index blank
- DENIAL-ELEV 17.6% denied
- RANK-UNK Rank pending
- PHOTO-SOLO No peer gap
- LINES-0 No lines
- BOOK-MID 3/7 fields
Instrument codes from this carrier’s NAIC Consumer Information Source filing: grade band, complaint index, CMS denial band, corpus rank, photo-finish peer, line book, and field completeness. Not an official NAIC rating.
Celtic Insurance Company - claim denial rate by state
- DE
DE: 28.7% denied (7,861 of 27,423 claims)
29 % of claims denied
- OK
OK: 21.5% denied (498,324 of 2,313,526 claims)
22 % of claims denied
- AL
AL: 19.9% denied (437,843 of 2,195,527 claims)
20 % of claims denied
- MO
MO: 19.2% denied (1,251,198 of 6,509,852 claims)
19 % of claims denied
- KS
KS: 19.0% denied (799,505 of 4,203,427 claims)
19 % of claims denied
- TN
TN: 18.7% denied (1,914,504 of 10,214,665 claims)
19 % of claims denied
- NH
NH: 18.1% denied (142,923 of 790,001 claims)
18 % of claims denied
- TX
TX: 16.2% denied (2,910,681 of 17,913,148 claims)
16 % of claims denied
- AR
AR: 15.6% denied (1,349,884 of 8,656,738 claims)
16 % of claims denied
What this shows Denial rates vary by state plan and network. Across 9 reporting states, Celtic Insurance Company denied 17.6% of marketplace claims on average.
Among states with enough reported claims to compare, Celtic Insurance Company's highest marketplace denial rates in this dataset are in Delaware (28.7%), Oklahoma (21.5%), and Alabama (19.9%). State-level rates reflect the specific plans Celtic Insurance Company offers there and how each state's regulators and utilization-review rules apply, not necessarily the carrier's national practice.
CMS marketplace filing
Reported appeal outcomes for Celtic Insurance Company
The largest state samples are Texas (3,010 filed, 1,842 overturned), Tennessee (2,600 filed, outcome not reported), and Arkansas (1,813 filed, outcome not reported); 7 states contribute to the profile total.
CMS reports an overturn outcome for 4,162 of these 9,398 filed appeals; missing outcomes are excluded from the percentage. These filing totals are not a prediction for an individual appeal. View the CMS source ↗
What the NAIC filing desk shows for Celtic Insurance Company
Celtic Insurance Company's filing desk summarizes the NAIC complaint record and any CMS marketplace denial data on file.
See where Celtic Insurance Company sits against every reporting carrier in the claim-denial rate ranking. Appeal notes for Celtic Insurance.
Nationwide insurers with similar scores or complaint volume
Two corpus-wide peer sets for Celtic Insurance Company: nearest national-scale carriers by composite score and by NAIC complaint volume. These are cross-market neighborhoods, not the corporate-family list or same-grade chips above.
Similar composite score
Nearest carriers by composite score (62.2 here). Floored at 50+ complaints and 5+ states.
Questions about Celtic Insurance Company
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Source: NAIC published complaint index + CMS Transparency in Coverage PY2026 Complaint index, reputation grade and per-state claim denial rates for Celtic Insurance Company · 2024
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The full PlainInsurer extract, covering every insurer including Celtic Insurance Company, is available as CSV and JSON. Underlying federal data is public domain; see our methodology for the compilation and grading method.
Data: NAIC published complaint index (2024) · CMS Transparency in Coverage PUF PY2026. Not affiliated with NAIC or CMS.
Every figure on PlainInsurer comes directly from NAIC MCAS and CMS Transparency in Coverage data; no editor types in numbers. See our editorial standards or methodology, or report an error. Data current as of 2026-08-11. Grades measure only the published complaint/denial data; we don't recommend any insurer or policy.