Rhode Island Health Insurance

Rhode Island residents know the importance of maintaining good health insurance coverage for themselves and their families, but it’s not always easy to understand the rules and regulations that affect your coverage. To help cut through the confusion, The Simple Dollar has compiled several resources, links, data, and regulations to help guide consumers towards a complete understanding of their health insurance options so they can stay on top of their medical needs.

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Stats in Your State

We’ve listed a number of statistics and sets of data below to illustrate the state of the health insurance industry in Rhode Island. Read on to get a better handle on how Ocean State rates compare to regional and national averages.

Chip Medicaid

More than 130,000 Rhode Island residents enrolled in government-administered health care plans Medicaid and CHIP in 2009 and 2010. The majority of the policyholders were enrolled in Medicaid, and over 20,000 children belonging to low-income families benefited from state health insurance coverage through the CHIP plan.

Individual Health Insurance Premiums

Behind only Massachusetts, Rhode Island is the second costliest state in New England for health insurance for single-payer plans. For a worker to have health insurance it cost over $1,400 per month, making Rhode Island costlier than the national average of $1,090 per month.

Family Health Insurance Premiums

Despite the high costs for individuals, families in Rhode Island cost less to insure than any other state in New England. And with premiums less than $3,500 per month for families, family plans fall below the national average by roughly $500.

SAHIE Health Insurance Uninsured

According to the U.S. Census Bureau, over 100,000 Rhode Island residents went without health insurance coverage each year between 2005 and 2008, and in 2009 and 2010 those numbers increased to nearly 120,000 residents without coverage; many of these cases were due to financial hardship. This underlines the need for affordable coverage throughout the state.

Rules in Your State

The Rhode Island state legislature has listed specific unfair and prohibited claims practices that apply across the insurance industry, as well as those that apply specifically to health and accident claims. The following links will direct you to the full legislation and specific lists of prohibited actions. If you feel your rights have been infringed upon, make sure to consult with an attorney.

Rhode Island Rules: Alcohol & Your Health Insurance

Rhode Island’s strict insurance regulations don’t stop at auto insurance; the state’s health insurance regulations specify that health plans must cover and treat alcohol-related disorders in the same way that they treat medical and surgical conditions. Furthermore, health plans may not deny coverage for injuries sustained due to intoxication.

Losses Due to Intoxication
Health Insurance Parity for Alcohol-Related Treatment
Rhode Island law specifically prohibits insurers to deny benefits for losses arising from intoxication.
Health insurance coverage in Rhode Island must cover treatment of alcohol-related disorders and provide the same levels of benefits for alcohol-related disorders as they do for medical and surgical conditions.
Health insurance plans that cover alcohol-related disorders MAY NOT be subject to higher deductibles, higher premiums, or restrictive financial limits on lifetime treatment for alcohol-related disorders than for medical and surgical coverage.

Representatives & Resources in Your State

Consumers who want to learn more about health insurance can find all the information and guidance needed by clicking the links below. For consumer advocacy, informational guides, and assistance with difficult insurance issues, use these resources to take advantage of the government agencies ready to serve and assist you.

Office of the Health Insurance Commissioner
1511 Pontiac Ave, Building #69 first floor
Cranston, RI 02920
(401) 462-9517
Contact Info
Rhode Island has set up a specific office to handle health insurance regulation, and readers can find the website at the above link or get in touch using the contact information listed.

Rhode Island Department of Human Services
Contact Information
The Department of Human Services offers support and services to thousands of children of low-income families, disabled persons, seniors, and other residents in need. You may be surprised to find that your family or someone you know qualifies for an assistance program.

RiteCare: Rhode Island Children’s Health Insurance Program (CHIP)
The RiteCare program provides health insurance coverage to thousands of children of low-income families across the state of Rhode Island.