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Rhode Island Health Insurance (RI)Choose from the list below to learn more about specific health insurance providers in Rhode Island. Read on to learn about health insurance regulations in your state. Or enter your zip code in the box to the right to request a health insurance quote. Get a quote for Rhode Island health insurance now.>> Health Insurance Providers in Rhode Island (RI)
Individual Health Insurance in Rhode Island (RI)Individual health insurance companies can reject your application for insurance if you have a health problem. However, if you are HIPAA eligible, the insurance companies must offer two plans; you cannot be turned down; and you will not have an exclusion period. Also, if you have had prior continuous insurance of 12 months, with no gap in coverage, the insurers must offer two plans and cannot reject your application for individual coverage. Individual insurers can limit coverage of a pre-existing condition if you have a non-guaranteed issued policy. They can attach an elimination rider or they can impose an exclusion period of no more than 12 months. Pregnancy can be considered pre-existing, but genetic information cannot. It should be pointed out that Blue Cross Blue Shield of Rhode Island imposes shorter exclusion periods or none at all. Although there are no limits on the cost of premiums, your insurance cannot be cancelled due to your illness. Get a quote for health insurance now.>> Group Health Insurance in Rhode Island (RI)Group health insurance in Rhode Island cannot be denied to qualified persons because of a health problem, nor can they be charged more. There are certain life changes within a family relating to children, marriage, family problems, or job loss that will allow you special opportunities for group coverage. Newborn, adopted and disabled children have special considerations on group policies if they include dependents. A new employer can ask you to wait before signing with group coverage. New HMOs can impose an affiliation period also. Pre-existing conditions can be considered in the six months prior to group coverage. Insurance companies can impose exclusion periods before coverage and the time length varies according to the size of your group. If you have maintained continuous coverage with no lapse of 90 days or more and you will have insured small group coverage, you can get creditable coverage. If you have large group insurance and no lapse longer than 63 days, you get creditable coverage. Small Business Health Insurance in Rhode Island (RI)Small businesses with fewer than 50 employees cannot be turned down for small group coverage, nor can their insurance be cancelled due to illness of the employee group. You can, however, have a higher premium based on the health of your group. Get a quote for health insurance now.>> Self-Employed Health Insurance in Rhode Island (RI)The self-employed in Rhode Island are allowed to buy small group health insurance. Affiliation through a business or professional association for the purpose of acquiring group health insurance should be checked with the Rhode Island Insurance Department. Rhode Island Insurance Department Rhode Island Programs (RI)There are several programs which help with medical care for low income individuals and families in Rhode Island: Medicaid, Rite Care, RIte Care, Rhode Island Cancer Screening Program. Get a quote for health insurance now.>>
*As an informational resource, we provide content about insurance companies, products and services; we make no representation, express or implied, of any sponsorship by or any other relationship with any company on this site. Quotes are provided through insurance brokers, agents, or other representatives who may or may not be able to obtain quotes from any particular company. We make no representation, express or implied, that a user will be able to obtain an insurance quote from any particular insurance company.
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Key Facts... In 2005 $2 trillion was spent on health care services in the United States. On average, each person was responsible for a total annual health care bill of $6,700. Is your health insurance plan working for you and your family? Source: National Coalition on Health Care. Catlin, A, C. Cowan, S. Heffler, et al, "National Health Spending in 2005." Health Affairs 26:1 (2006). Health care costs in the United States rose an unprecedented 6.9% in 2005, more than double the rate of inflation. These costs are expected to rise at similar levels for the next decade. Protect your health and your wallet by investing in a health insurance plan that is right for you. Source: National Coalition on Health Care. Catlin, A, C. Cowan, S. Heffler, et al, "National Health Spending in 2005." Health Affairs 26:1 (2006). A 2003 study by The Henry J. Kaiser Family Foundation determined that over one third of uninsured adults reported having trouble paying their medical bills. Safeguard yourself and your family against future debt by finding a high quality health care plan. Source: The Henry J. Kaiser Family Foundation. Access to Care for the Uninsured: An Update. 29 September 2003. |
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