Rhode Island Health Insurance (RI)
Rhode Island may be the smallest state in the United States by land mass but Rhode Island Health Insurance offerings are certainly not the smallest in the union.
In Rhode Island, health insurance providers can deny coverage due to health problems. Rhode Island Health insurance providers may also limit coverage of a pre-existing condition under non-guaranteed issued policies. Pregnancy may be classified as pre-existing condition by a Rhode Island health insurance provider, but genetic information cannot.
But don’t worry it isn’t all bad news for the citizens of Rhode Island. Rhode Island Health Insurance offers several programs that can help you and your family find the appropriate cover for your needs. To augment the information below try using www.healthinsuranceusa.com.
In most cases, insurers in Rhode Island are allowed to reject your application for coverage based on the state of your health. However, you may be eligible for a Rhode Island Health Insurance "guaranteed issue" policy if you have a minimum of 12 months of continuous creditable coverage with no gaps in the coverage. In this case, all insurers must offer you a choice of two individual policies, regardless of your health status.
You may also qualify for coverage by Rhode Island Health Insurance as a "HIPAA-eligible" individual if you: have had at least 18 months of continuous creditable coverage, the last day of which was under a group plan AND you have exhausted all COBRA continuation coverage which was available to you.
People who are HIPAA-eligible are guaranteed the right to buy an individual policy from a private insurer.
Rhode Island Health Insurance Direct Pay is a kind of health insurance that is intended for you and your family if you do not have access to private health insurance through an employer and do not qualify for Medicare or Medicaid. Blue Cross Blue Shield of Rhode Island (BCBSRI) is the ONLY insurers at this time that offers direct pay plans in RI.
Rhode Island Health Insurance Direct Pay plans differ by premium rates, coinsurance rates, copayments, and the size of the deductible you must pay out-of-pocket before BCBSRI will cover some or all of your medical expenses. If you meet the qualification requirements you may be eligible for a premium subsidy under BCBSRI's Access Blue Program.
The Rhode Island Health Insurance Medical Assistance Program, also known as Medicaid, is a federal and state funded program that pays for medical and health related services for Rhode Islanders that meet the minimum eligibility requirements.
Rhode Island Health Insurance Medicaid is available to individuals based on income status and disability under the Medical Assistance Program. Rhode Island Health Insurance Medicaid has a main objective of providing health insurance coverage to low-income Rhode Islanders who need it.
The Rhode Island Health Insurance Rhode Island Senior Health Insurance Program (SHIP) provides free one-on-one counselling for Medicare recipients with questions about any aspect of Medicare, including the Medicare Part D prescription drug benefit, or Medigap coverage.
RIte Care is the Rhode Island Health Insurance Medicaid program that provides eligible uninsured children, families, and pregnant women with comprehensive health care coverage through one of three participating health plans: Neighborhood Health Plan of RI, UnitedHealthcare of New England, and Blue Cross Blue Shield of Rhode Island.
Rhode Island Health Insurance also offers RIte Share which is a premium assistance program that helps families to obtain health insurance coverage through their employer (or spouse’s employer). If a family qualifies, RIte Share will pay all or part of the employee’s share of the health insurance premium.
In most cases eligibility for Rhode Island Health Insurance RIte Care and RIte Share is based on income level and family size.
« back
