Rhode Island Health Insurance
Information about Health Insurance in Rhode Island
If you are interested in purchasing health insurance in Rhode Island, you are in luck. Rhode Island is one of the few states that has a higher standard of consumer protection for health insurance. Rhode Island health insurance of all types have mandated minimums and categories in which enrollment is guaranteed.
The laws regulating such aspects of health insurance in Rhode Island can be very specific, and hence, somewhat confusing, so it is important to know as much about laws regulating health insurance in Rhode Island as you can.
Employees cannot be denied coverage under group Rhode Island health insurance if they are eligible for enrollment. Exclusions for fully insured group Rhode Island health insurance can be no longer that six months, while exclusions for self-insured group Rhode Island health insurance can be as long as 12 months, or 18 months for late enrollment. Pre-existing conditions in group Rhode Island health insurance are only those for which there was a diagnosis within the six-month period before the beginning of group Rhode Island health insurance. Rhode Island law does not allow pregnancy to be considered a pre-existing condition for group Rhode Island health insurance.
Individual Rhode Island health insurance provides many more protections than similar coverage in other states. Providers of individual Rhode Island health insurance are free to turn down any applicants unless they have 12 months of prior creditable coverage. In that case, providers of individual Rhode Island health insurance are obligated to enroll applicants. Blue Cross Blue Shield is obligated to offer individual Rhode Island health insurance on a guaranteed basis from August 15th to September 15th of each year. Providers of individual Rhode Island health insurance are not required to offer standardized plans, but plans must cover specific benefits. Exclusions for pre-existing conditions cannot be applied to individual Rhode Island health insurance policies purchased on a guaranteed basis. Otherwise, exclusions from individual Rhode Island health insurance are limited to 12 months and can only be applied to pre-existing conditions for which the insured person should have sought treatment in the three years before individual Rhode Island health insurance began. Blue Cross Blue Shield normally imposes shorter exclusions periods or no exclusions at all for individual Rhode Island health insurance. Pregnancy can be considered a pre-existing condition for individual Rhode Island health insurance.
BusinessHealthInsurance can help you find the best guaranteed health insurance Rhode Island offers!