OnlineAdviser News

December 28, 2012
OnlineAdviser and OnlineNavigator made updates to various publications and Web pages to clarify that we are not affiliated with any government agency, insurance exchange or other financial service company.

September 26, 2011 was launched as the latest online health plan service with support. Core health Insurance is a widely available limited benefit insurance that is known for liberal coverage of pre-existing conditions; it has no waiting period for smaller coverage items and only 12 months for hospitalization and surgery before previously exiting medical issues are covered.

March 13, 2011 Web site was launched to provide support for Medicaid-eligible individuals who are not currently supported by OnlineAdviser.

October 8, 2010

A Texas columnist published this favorable review of her experience the new online health insurance exchange.

September 14, 2010

HealthyTexas plan will soon be available to small businesses and Florida's KidCare options are explained on universal health insurance blog postings today.

September 2, 2010

Freedom Benefits announced an expansion of online enrollment support for Kaiser  Permanente, one of California's largest health insurers covering more than 6 million members in the state. Plans are available to individuals and families including HMO and Health Savings Account plans and HMOs. 

August 27, 2010

In anticipation of increased demand for consumer support triggered by federal health reform measures scheduled to become effective in September 2010, Freedom Benefits expanded its OnlineAdviser service to add a paid premium telephone support while retaining other free online support services. For the remainder of this month (August) the telephone service is free of charge.

August 12, 2010

The new Core Health Insurance is priced slightly higher (about $20 per month higher) than the former plan but includes stronger doctor office visits that are most often requested by members. Details at

August 7, 2010

We received calls this week about difficulties finding CeltiCare primary physicians that apparently stems from a misunderstanding of the product brand name. CeltiCare's national Preferred Providers can be easily found on in all states EXCEPT Massachusetts.

Even though the Massachusetts plan uses the "CeltiCare" brand name, it is not the same company that provides Celtic Insurance in other states. CeltiCare of Massachusetts is a welfare-type managed care plan contracted by the state to provide cut-rate coverage. That combination of low-income patients covered by low-paying insurance is not attractive to most physicians and so the MA insurance plan has difficulty attracting adequate primary care physicians. In contrast, Celtic Insurance Company insurance in other states uses the well-established PHCS provider network that was cited by Consumer Reports (in the last review of its type published in 2003) as the highest-ranked commercial insurance PPO network.

Our Web site handles online enrollment in all states EXCEPT Massachusetts so the primary physician shortage issue should not be a concern to our Web site users.

To further clarify this issue, a person covered by any Celtic Insurance Company policy applied for at for coverage in any state other than Massachusetts is covered for treatment provided by any physician in Massachusetts (while traveling or attending college, for example), regardless of whether the physician participates in any network.

Keep in mind that In most health insurance policies, including those issued by Celtic Insurance Company, the level of co-insurance paid by the member is determined by whether the physician is a member of the PHCS network. This in-network / out-of-network co-insurance detail is explained both on the online enrollment site, listed briefly on the insurance ID card and explained in detail in the printed policy information.

August 4, 2010

Pennsylvania high risk insurance begins taking online applications today. OnlineAdviser enrollment support is available free of charge on request.

August 1, 2010

OnlineAdviser is planning a premium fee-based enrollment support that is completely independent from insurance companies. This service is likely to appeal to more affluent consumers who can expect a higher return from professional support, in terms of finding better customized coverage at a lower overall price, but middle-income shoppers are more likely to elect a do-it-yourself online enrollment.

July 27, 2010
Children who lose health insurance - About 1 in 3 children in families where a parent loses their job will also lose their private health insurance, according to Health Affairs. Most, but not all, are eligible for low cost state-sponsored CHIP plans. Yet not all eligible families take advantage of this. Considering the low cost of coverage (compared to adults) children should not be without health insurance.  If you have or know of an uninsured child, OnlineAdviser can usually point to a few good health insurance plans that typically cost only $1 to $2 per day. Remember that all of these plans cover state-mandated immunizations with no deductible, co-pay or waiting period.

Meanwhile, the nation's insurance commissioners are discussing a new problem where many of the nation's largest health insurance companies have stopped writing policies for children only without their parents. The move affects middle income families that are not eligible for CHIP coverage and whose adult coverage is tied to unstable employer group insurance plans. We have always endorsed Celtic Insurance as the premier choice for child-only health insurance and this coverage continues to be available in most state. More information is at