Rhode Island Health Insurance Options
When it comes to searching for Rhode Island health insurance, the first thing you need to understand are your options. You may have more of them than you think. If you are an individual with a job, young and in good health, then you have the most options available and will have no trouble finding affordable, quality health insurance. If you are a little higher risk, then you will have more trouble, but you also have some options when it comes to finding quality Rhode Island health insurance.
Employer Based Rhode Island Health InsuranceIf you are like most residents of Rhode Island, you get your health insurance through your employer. This is a great benefit, as it allows you to get quality Rhode Island health insurance at an affordable price. In most instances, the health insurance you get through your employer will be less restrictive as far as exclusions for specific medical conditions and pre-existing conditions and will be less expensive. If you are let go from your job, you can continue your Rhode Island health insurance through the COBRA plan for a limited period of time. This will allow you to remain covered while you look for other employment and health insurance.
Direct Pay Rhode Island Health InsuranceDirect Pay is a type of Rhode Island health insurance that is designed for individuals who do not have access to group health insurance through their employer and who also do not qualify for the other types of Rhode Island health insurance. If you choose Direct Pay, you have to go through Blue Cross Blue Shield of Rhode Island as they are the only company currently offering this type of health insurance plan. Here are the following options available under the Blue Cross Blue Shield of Rhode Island Direct Pay Plan
Each plan will, of course, have different premiums and offers different levels of coverage to allow you to better tailor the policy to your needs.
Rhode Island Health Insurance through MedicareMedicare is a federally funded health insurance program designed for qualifying individual 65 years or older or those with permanent disabilities. To qualify for Medicare, you must meet the following requirements:
In order to receive Medicare benefits you must meet one of the top two residency requirements, after which you only need to meet one of the above requirements.
Rhode Island Health Insurance through Medicaid/RIte CareRIte Care is Rhode Island's Medicaid program that assists those Rhode Island residents who qualify to find health insurance. Eligibility requirements, for the most part, consist of household size and income. This service is used primarily for children, pregnant women and low income families. There is also the RIte Share program that helps those who qualify with their employee based Rhode Island health insurance. This program, depending upon income qualifications, will pay either part or all of your share of the premiums as an employee.
TRICARE Rhode Island Health InsuranceThis option for getting Rhode Island health insurance is for military personnel on active duty and their families as well as retired, uniformed services personnel and their family members. It is offered through the Department of Defense. You can get three general types of plans through TRICARE.
Rhode Island Health Insurance QuotesYou can search for your own Rhode Island health insurance policy by going online and researching the various health insurance providers. You can get health insurance quotes from the different providers to compare the policies they offer and their cost. This is a great way to understand how much Rhode Island health insurance may cost you as well as save you money by giving you the ability to conveniently comparison shop.
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