With medical costs on the rise, Rhode Island health insurance is essential to maintaining your access to the health care system.
InsureMe understands the benefits of Rhode Island health insurance, and we want to help. Just enter your information to the right and receive up to five free quotes for Rhode Island heath insurance in your area. Comparing both price and product will allow you to purchase the right Rhode Island health insurance to fit your needs.
Will my current health status affect my ability to purchase Rhode Island health insurance?
While your insurance options are somewhat dependent on your health status, there are provisions in place to help you obtain and maintain Rhode Island health insurance.
If you have had at least 12 months of prior health coverage without a gap, Rhode Island health insurance companies selling individual policies must offer you a choice of at least two plans—regardless of your health status.
Furthermore, if you are purchasing Rhode Island health insurance for a small group of employees, you cannot be turned down for coverage because of your group's health status. This is known as the guaranteed issue.
What does Rhode Island health insurance cover?
Benefits under Rhode Island health insurance vary from policy to policy, and you will want to ask your Rhode Island health insurance agent what your plan covers before signing on the dotted line. Doing so will ensure that you've selected the right policy for you-and will prevent any unpleasant surprises down the road.
I need Rhode Island health insurance, but can't afford it. What can I do?
If you cannot afford Rhode Island health insurance in the normal market, there are a variety of programs available to help you receive the care you need:
Low-income families, pregnant women, elderly and disabled individuals may be eligible for health care through the Rhode Island Medical Assistance Program. The Rhode Island Medical Assistance Program may also cover you if you cannot afford the coverage offered by your employer.
Rite Care is a managed care program operated by Medicaid, and provides coverage to eligible, uninsured expectant mothers, parents and children up to age 19.
Rite Share is another Medicaid-run program that helps low-income families obtain health coverage through a spouse's employer. Qualified families may receive full coverage through Rite Share, including all co-payments for physician and hospital visits.
The Rhode Island Cancer Screening Program provides free screening for residents who qualify. Women who are diagnosed with breast or cervical cancer may be eligible for treatment through Medicaid.
Can my Rhode Island health insurance be cancelled?
Guaranteed renewablilty ensures that your Rhode Island health insurance cannot be cancelled because you get sick. Your coverage may only be terminated if you fail to pay the premiums, or if you are caught defrauding the insurance company.
Where can I find more information on Rhode Island health insurance?
For more information on Rhode Island health insurance, as well as the financial assistance programs mentioned above, contact the following:
|Rhode Island Department of Business Regulation
|Rhode Island Medical Assistance Program
|Rite Share & Rite Care
|Rhode Island Cancer Screening Program
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