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Rhode Island Health Insurance
Health insurance comes in two broad categories these days: individual
and group. Those who go for individual insurance are in most cases
self-employed, or are employed by a company that has no provision
for a health plan, or who have a family and who are looking for
individual insurance for their family members. If you decide to
buy an individual plan, you have to pay an annual premium as well
as a deductible for each insured dependent, up to a base amount.
Or if you decide to have a group policy instead, you need to pay
an annual premium, co-payments payable at each medical service,
and a deductible payable before insurance begins paying for your
valid medical bills.
Rhode Island allows health insurance companies to deny you individual
insurance if you have a health problem. For HIPAA eligible persons,
however, the insurers have to offer two plans; you cannot be turned
down; and you will not have an exclusion period. In addition, if
you have had prior continuous insurance of 12 months, with no lapse
in coverage, the insurance companies have to offer two plans and
cannot turn down your application for individual coverage. Insurers
can limit coverage of a pre-existing condition if you have a non-guaranteed
issued policy and can attach an elimination rider or they can impose
an exclusion period not exceeding one year. Pregnancy can be treated
as a pre-existing condition, but not genetic information. And in
no case can your insurance be cancelled because of your illness.
In Rhode Island, group health insurance cannot be denied to qualified
persons because of a health problem, nor can they be slapped with
additional charges. Your new boss can, however, require a waiting
period before providing you group coverage. Before the beginning
of the group coverage, pre-existing conditions can also be taken
into account. Insurers are allowed to impose exclusion periods before
coverage and the time period depends on the volume of the group.
If you have had unbroken coverage of at least 90 days and you will
have insured small group coverage, you qualify yourself for creditable
coverage. The period becomes 63 days for large group insurance to
be eligible for creditable coverage.
Small businesses employing less than 50 employees cannot be denied
small group coverage, nor can their insurance be cancelled due to
illness of the employee group. Rhode Island, however, allows self-employed
people to purchase small group health insurance. For seeking affiliation
through a business or professional association for the purpose of
acquiring group health insurance, one should contact the Rhode Island
In Rhode Islands, there are several programs that assist low income
individuals and families such as Medicaid, Rite Care, RIte Care,
Rhode Island Cancer Screening Program.
Selecting the right quotes is never easy, so you should better
do a proper research before making a final decision. However, it
makes better sense to appoint professional health insurance agents
and brokers who can be of great help in this regard with their valuable
experience and expertise.
The leading health insurance providers in Rhode Island include
Assurant Health (formerly Fortis), Celtic and Fairmont Specialty