Health Insurance Carriers in Rhode Island (RI)
Rhode Island’s rules for health insurance
coverage and insurers vary from other states. We hope you will
find the resource of Rhode Island health regulations below informative
and useful. First, review the list of carriers we recommend in
Rhode Island. Second, review information about Rhode Island laws
at the bottom of this page.
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Health Insurance Providers in Rhode Island
Assurant Health (Formerly Fortis)
Celtic
Clarendon National
Fairmont Specialty Group /
TIG
Group Health Insurance in Rhode Island
- Coverage may not be denied to eligible applicants
based on health problem, nor may a higher charged be imposed.
- Life changes related to family or job loss bring special
opportunities for group coverage.
- Newborn, adopted and disabled children have special considerations
for coverage.
- Employers may require a wait period for new employees.
- HMOs may impose an affiliation period.
- Providers may review medical records for the six months
prior to group coverage.
- Insurance companies may require exclusion periods before
coverage, the length of which varies according to group size.
- If continuous coverage has been maintained without a break
longer than 90 days, creditable coverage is available.
Small Business Health Insurance in Rhode Island
Small businesses with fewer than 50 employees
may not be denied small group coverage or cancelled based on illness
in the employee group. Higher premiums may apply.
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more information about health insurance
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Self-Employed Health Insurance in Rhode Island
- The self-employed may purchase small group
health insurance.
- Contact the Rhode Island Insurance Department for information
regarding affiliation through a business or professional association
for the purpose of acquiring group health insurance.
Rhode Island Insurance Department
233 Richmond Street, Suite 233
Providence, RI 02903
(401) 222-2223
www.dbr.state.ri.us
Individual Health Insurance in Rhode Island
- Providers can deny coverage due to health
problems.
- Those who are HIPAA eligible, must be offered two plans
and cannot be denied coverage or given an exclusion period.
- If coverage is maintained continuously for 12 months without
a break, providers must offer two plans and may not deny coverage.
- Providers may limit coverage of a pre-existing condition
under non-guaranteed issued policies.
- Providers may attach an elimination rider or require an
exclusion period of up to 12 months.
- Pregnancy may be classified as pre-existing condition,
but genetic information cannot.
- Blue Cross Blue Shield of Rhode Island requires shorter
exclusion periods or none at all.
- There are no limits on the cost of premiums.
- Coverage cannot be cancelled because of sickness.
Rhode Island Health Care Programs
Medicaid, Rite Care, RIte Care, Rhode Island
Cancer Screening Program assists with medical care for low income
individuals and families.
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