Rhode Island Health Insurance
Rhode Island HEALTH INSURANCE PROGRAMS
Medicaid - This is the federal and state health care program for low-income children, pregnant women and adults. Health benefits for Medicaid are administered and regulated on a state-to-state basis.
Common Health Conditions in Rhode Island
- Arthritis
- Biliary Cirrhosis
- Hemiplegia
- High Cholesterol
- Ischemic heart diseases
Rhode Island Health Insurance Regulations
For one, Rhode Island health insurance companies must include a guaranteed renewability provision in any Rhode Island health insurance policy that is issued. This policy provision states that, as long as premiums have been paid, your insurance company cannot deny you continued coverage. Also, Rhode Island health insurance policies can include a provision with a pre-existing condition exclusion period of no more than 3 years. During this period, your health insurance company is not responsible for reimbursing you for any expense related to the pre-existing condition. States have different definitions for pre-existing conditions. Rhode Island health insurance laws consider condition to be pre-existing if you received medical treatment for them in the 36 months prior to the beginning of the plan. Understanding the laws limiting Rhode Island health insurance companies is especially important in making sure your health insurance company continues to honor your original contract. Rhode Island health insurance companies and the cost of health insurance is not too strictly limited. First, Rhode Island health insurance companies cannot deny your health insurance if you have had prior continuous coverage of more than 12 months. If you fit this category, Rhode Island health insurance companies cannot impose a new pre-existing condition period either. Otherwise, Rhode Island health insurance companies are allowed to use your health status to determine the cost and availability of health insurance. This means any Rhode Island health insurance company can refuse to sell you health insurance. Furthermore, the cost of Rhode Island health insurance can vary due to your health status, age, family size, and the type of policy you purchase. If you have breaks in your health insurance coverage, it is recommended that you purchase temporary health insurance. In Rhode Island, purchasing a conversion policy is an option if you are leaving a fully insured group policy.Although the price may be higher and the coverage less than your old Rhode Island health insurance policy, conversion policies offer adequate insurance in times when you have breaks in between your coverage.However, once you have a policy, your health insurance cannot be canceled because you have fallen ill.
Rhode Island
Three Capitol Hill, Providence, RI 02908
Website: http://www.211ri.org/find/Details.aspx?OrgId=32272
Phone: (401) 222-2231
