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Rhode Island Health InsuranceIndividuals and Families

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Rhode Island Health Insurance
How to find an affordable plan.

While Rhode Island health insurance is regulated by the state, there are numerous options for consumers looking for coverage. Multiple carriers (insurers) offer multiple plans throughout the state. For individuals fortunate enough to receive coverage through their employer, the decision may be as simple as selecting a plan from a limited set of options. For those who are self-employed, unemployed, or work for a company that does not provide health insurance benefits, there are more decisions to make. Health Insurance Online provides resources and information to consumers looking for coverage. This section of the site provides information on leading carriers in the state as well as government run programs. Selecting an affordable health insurance plan that best meets your needs involves understanding what the plan covers, and more importantly what it does not cover. In general, more expensive plans provide greater coverage and/or flexibility. Less expensive plans typically provide more limited coverage and/or flexibility. The goal is to understand your likely needs, and select a plan that most affordably meets those needs. For individuals not prepared to handle high out of pocket expenses throughout the year, HMOs are typically a good option. Costs are controlled by routing all services through a primary care physician. Those who would prefer lower monthly premiums and are able to handle the possibility of high out of pocket charges may determine that a high-deductible PPO is right for them. Regardless of the plan you select, it is important to obtain coverage. Living without health insurance exposes you and your family to unnecessary risk, both financial risk and health risk.

Leading Rhode Island Health Insurance Companies

Blue Cross and Blue Shield of Rhode Island: Blue Cross & Blue Shield of Rhode Island offers an extensive array of programs for the perfect health insurance plan.

Celtic of Rhode Island: For twenty-five years, Celtic has been offering its clients in Rhode Island exceptionally affordable and complete health insurance coverage.

HumanaOne of Rhode Island: HumanaOne offers affordable health insurance coverage for individuals and families in Rhode Island, which includes students, self-employed entrepreneurs, recent college graduates, early retirees, and those who may be uninsured.

Kaiser Permanente of Rhode Island: Kaiser Permanente offers many varied programs to keep their Rhode Island members healthy and living well.

Don’t Decide Based on Price Alone

A common mistake when selecting a health insurance plan is making a decision based on price alone. If you select a low cost plan, it may not provide the coverage you need, and you may have high out of pocket expenses throughout the year. Selecting a higher cost plan may also be a mistake. Higher cost plans may cover services and procedures that you may be unlikely to utilize throughout the year. The right plan is different for everyone, but in general provides a balance between cost and services likely to be utilized throughout the year.

Rhode Island Government Sponsored Health Insurance Plans

Two programs manage by the Rhode Island Department of Human Services are RIte Care and Rite Share. RIte Care is the Rhode Island Medicaid program and provides coverage to individuals and uninsured families based on financial need. Rite Share is a program designed to assist individuals obtain health insurance through their employers. For qualified individuals/families all or part of the employee’s portion of health insurance premiums are paid by Rite Share. To determine if you are eligible for either of these programs please call the Rhode Island Department of Human Services at (401) 462-5300.

Online Information

Finding affordable health insurance takes a little time but the Internet makes it much easier than it used to be. Instead of driving to meet an insurance agent, or waiting on hold with insurance companies, you can research your options from the comfort and convenience of your own home. The more information you can gather, the better you will be able to make an informed decision when the time comes to select a plan. Keep in mind however that any information you find on the Internet should be verified and should not be the only information you use to make a decision. Please read your policy details carefully before enrolling.

Resources and Information

Rhode Island Medicare Plans

Seniors age 65 and older are eligible for a variety of Medicare plans in Ohio.  Medicare plan options include Medigap and Medicare Advantage policies:

Rhode Island Doctor Directory

Doctors practicing medicine in the State of Rhode Island are licensed by the state. Doctors accept different forms of health insurance which you can verify before setting an appointment.

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