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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 Insurance Department.

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 Group.

 

 

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Useful links and information:

Rhode Island Insurance Department
233 Richmond Street, Suite 233
Providence, RI 02903
(401) 222-2223
http://www.dbr.state.ri.us/

 

 

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