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Rhode Island health insurance
If you do not have a health insurance plan yet, you need to understand the necessity for it. Health insurance plans not only prevent financial instability that may arise due to a serious illness or emergency hospitalization, it also helps you in securing preventive care that is very important is safeguarding your health. If you are a resident of Rhode Island and are looking for a health insurance plans, we have all the details you need.
Individual health insurance in Rhode Island
The state of Rhode Island allows the practice of medical underwriting. This implies that a health insurance carrier may look back into your health records for a period of 36 months and impose an exclusionary period of 12 months on you, if you cannot show proof of creditable covers in the previous months.
Individuals have a number of options so far as health plans are concerned. Depending on the level of deductibles, coinsurance and copayments charged, individuals can get HMO, POS and PPO type of plans. When you are looking at a particular plan, you should consider both its costs and the benefits that are offered.
Group health insurance in Rhode Island
Medical underwriting is legally allowed in Rhode Island. However, no look back or exclusionary periods are imposed when you are going for small group covers. When you are going for a group health insurance plan, you will need to pay much less than you would with an individual plan. In a group health insurance plan, the employer pays a portion of the premiums for you. For this reason, you contributions towards the plan are reduced.
Rhode Island Coverage under COBRA
Laws under the Consolidated Omnibus Budget Reconciliation Act of 1985 apply in the state of Rhode Island. According to this law, a company employing more than 20 people is obligated by law to continue covers for an employee who, for some reason, is no longer employed with the company. The covers also have to be extended to his family.
Rhode Island Medicaid plans
Medicaid plans are also offered in the state of Rhode Island. This program offered by both the state and federal governments provide help to people who have a low income, are pregnant, disabled or residents of nursing homes. Some of the people receiving Medicare are also eligible for this program. These plans are however subject to certain income criteria that need to be fulfilled.
Other health insurance plans in Rhode Island
The RItes Care and RIte Share programs are offered in the state of Rhode Island. Under this program, health insurance is provided to children below the age of 19, provided they meet certain income criteria. Under this program, pregnant women who are uninsured and have a low income may obtain health insurance also.
Easy Quotes from the Top Rhode Island Health Insurance Carriers
Our service is the best way for you to secure the most suitable Rhode Island health insurance quote for yourself. All these quotes on health insurance are from the top health insurance carriers. This includes- American Medical Security, American Family Insurance, Anthem Blue Cross Blue Shield, Assurant Health, Fairmont Specialty Group, Celtic, Midwest Security, Golden Rule, Security Life and UNICARE and many more.
An easy, fast and free way to find Rhode Island Health Insurance
Our process is quick, easy and free. The only thing you have to do is to fill in a simple form with your information. The information will be kept confidential and will be used only to provide you with medical insurance quotes. When you complete this form, you will receive instantaneous quotes from the top carriers. If you want, you can buy the plans online also. We will also put you in touch with licensed local agents in your area who will assist you in every way before you can purchase a plan.
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