Reputation grade
C
Peer-relative, A–F
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)
NAIC complaint index
N/A
1.0 = market average; lower is better
Claim denial rate
17.6%
CMS, 9 states
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 →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
9,398
appeals filed
1,880
overturned (reported outcomes)
45.2%
of appeals with a reported outcome
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 data shows for Celtic Insurance Company
Celtic Insurance Company carries a C reputation grade in PlainInsurer's dataset, with a composite score of 62.2 (higher means more consumer friction relative to size). It does not yet carry enough NAIC complaint history for a normalized complaint index.
On the claims side, CMS Transparency-in-Coverage filings show Celtic Insurance Company denied 17.6% of marketplace claims across 9 reporting states - a moderate rate that still varies by plan design and network.
See where Celtic Insurance Company sits against every reporting carrier in the claim-denial rate ranking.
Source: NAIC Consumer Information Source complaint data (2024). Source: CMS Transparency in Coverage PUF (PY2026), cms.gov.
Aggregates only, not advice. Full terms on the disclaimer.
Other C-graded carriers in PlainInsurer's dataset include Liberty Mutual and Aetna (CVS Health), and the closest overall composite score to Celtic Insurance Company's 62.2 belongs to Unum Life (62.8), each rescaled across the measures that carrier reports.
Other C-graded insurers
Carriers with the same peer-relative reputation grade
| Insurer | Grade |
|---|---|
| Liberty Mutual | C |
| Aetna (CVS Health) | C |
| Allstate Property | C |
| AIG Homeowners | C |
| Allstate Insurance | C |
Closest composite score to Celtic Insurance Company
Carriers with the nearest overall composite score (62.2)
| Insurer | Composite score |
|---|---|
| Unum Life | 62.8 |
| Blue Cross and Blue Shield of Florida | 61.6 |
| Medica Health Plans | 63.2 |
| Blue Cross and Blue Shield of NC | 63.2 |
Questions about Celtic Insurance Company
What does Celtic Insurance Company's grade mean?
Celtic Insurance Company received a grade of C, indicating a record near the industry median.
How many complaints does Celtic Insurance Company have?
NAIC's public bulk data does not include a complaint-volume estimate for Celtic Insurance Company - the carrier may be new, small, or file under a parent company. Absence of an estimate is missing data, not evidence of zero complaints.
How do I file a complaint against Celtic Insurance Company?
File against Celtic Insurance Company through your state's Department of Insurance or the NAIC consumer portal at naic.org.
Is Celtic Insurance Company a good insurance company?
PlainInsurer's C grade for Celtic Insurance Company reflects a record near the industry median relative to peers on published complaint and denial data.
What types of insurance does Celtic Insurance Company offer?
Detailed line-of-business data isn't currently available for Celtic Insurance Company. The carrier is licensed in 0 states.
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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Download the data behind this page
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.