Rhode Island Health Insurance
As a resident of Rhode Island, you have plenty of Rhode Island health insurance options to choose from. There are multiple insurance companies in Rhode Island that provide a range of plans for a variety of health needs.
Here you'll be able to get helpful information for finding health insurance in Rhode Island. See some of the state's top health insurance companies and read about the important Rhode Island health insurance laws and regulations you should be aware of as you look for your plan. You can also find information about financial assistance and public Rhode Island health insurance programs.
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If you would like to get free quotes and compare Rhode Island health insurance plans now, start with our simple form on the left.
Resources on this page
Rhode Island Health Insurance Laws and Regulations
Public Health Insurance Programs for Rhode Island Residents
Rhode Island Health Insurance High Risk Pools
Rhode Island Health Insurance Companies
Contact Info for the Rhode Island Insurance Administration and Department of Health
Rhode Island Health Insurance Laws and Regulations
As you look for Rhode Island health insurance, there are a few different state laws and regulations you should know.
Rhode Island is a guarantee issue state for individuals who have 12 months of prior coverage and do not have any breaks for that year. With guarantee issue, an individual can get health insurance coverage without being denied for pre-existing conditions and will not experience lapses in coverage for a condition.
Individuals in Rhode Island can be turned down coverage due to pre-existing conditions or face waiting periods for health insurance coverage for conditions. However, Rhode Island does have high risk pools that people with pre-existing conditions can apply for and obtain affordable health insurance.
Residents who recently left a group health insurance policy from an employer and are HIPAA-eligible cannot be turned down coverage or be given an exclusion period for medical conditions.
Rhode Island Health Insurance Public Programs
There are many Rhode Island health insurance public programs that help low-income residents get health insurance coverage.
- Medicaid
The Medicaid program in Rhode Island provides low-income adults, children, pregnant women and disabled citizens health insurance coverage. To learn more about Medicaid in Rhode Island visit here. - HEALTHpact Plans
HEALTHpact is for Rhode Island businesses that have 1-50 employees. The plan provides small businesses affordable health care options for employees. For more information on the Rhode Island health insurance plan visit their site. - RIte Share
RIte Share is a Rhode Island health insurance program that helps families afford health insurance from an employer. Eligibility for this program depends on income levels and family size. Pregnant women, children and parents with children can all benefit from this program. For more information visit their site here. - Rhode Island Medicare
Seniors can find Rhode Island health insurance through Medicare Advantage, Supplement and Original Medicare.
Rhode Island Health Insurance High Risk Pool
Residents in Rhode Island with medical conditions can get health insurance from a high risk pool set up by the Patient Protection and Affordable Care Act.
The Pre-Existing Condition Insurance Plan (PCIP) in Rhode Island will run similar to regular Rhode Island health insurance plans. The plans will require enrollees to pay affordable premiums and out-of-pocket costs.
Enrollees in the Rhode Island PCIP will pay around the same amount that people without pre-existing conditions pay for health insurance. There will also be a deductible that must be met with the plans before coverage for health insurance benefits begin.
People in Rhode Island with medical conditions will have coverage for emergency services, doctor and hospital visits, prescription drugs and more.
Individuals may apply for the Rhode Island PCIP program if they are a United States citizen, have a pre-existing condition and have been without health insurance for six months.
For more information on the Rhode Island health insurance high risk pools visit http://www.healthcare.gov/index.html.
The following list of companies offer health insurance plans in Rhode Island:
Assurant Health Health Insurance
Assurant Health, headquartered in Milwaukee, has been offering quality insurance products and coverage to over 1 million members since 1982. Assurant is committed to providing health insurance plans that have broad coverage while providing valuable protection.
Time Short Term Health Insurance
Today, Time Short Term health insurance is offered through the Assurant name. Time short term health plans provide comprehensive coverage for a temporary period of time at affordable rates.
Rhode Island Insurance Department and Department of Health
Find the contact information for the Rhode Island health insurance and health departments at:
Rhode Island Insurance Department
1511 Pontiac Avenue
Cranston, RI 02920
Phone: (401) 462-9500
http://www.dbr.state.ri.us/
Rhode Island Department of Health
3 Capitol Hill
Provide, RI 02908
Phone: (401) 222-5960
http://www.health.state.ri.us/
