Individual Health Insurance in Rhode Island (RH)
The Ocean State is where 1 million Americans live and work. Every year, more than 12,770 babies are born into the tiniest state in the union. Of these, 10 percent do not have the health insurance they need to protect themselves and their families. However, it's never been easier to find the best health insurance: online and inexpensive.
Rhode Island Health Facts
Ten percent of new mothers in Rhode Island do not get enough prenatal care during pregnancy. This results in more than 1000 low birth weight and almost 1500 preterm babies every year. Twenty percent of small children do not get the immunizations that are recommended by the American Medical Association and 12 percent are overweight. Another 26 percent do not get both a dental exam and a physical each year. Even the most basic, low-cost health insurance policy will cover these health measures.
Health Insurance Needs in Rhode Island
Rhode Island residents would greatly benefit from regular checkups covered by health insurance. A number of common chronic conditions can develop in adulthood that, if not caught and treated early, can develop into significant health problems. Six percent of adults in Rhode Island are diagnosed with diabetes, 15 percent have asthma, 55 percent are obese or overweight and 19 percent smoke. In every 100,000 Pennsylvanians, 496 have invasive cancer and 198 will die from the disease each year. Don't gamble on your health. Get your free health insurance quote today.
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Rhode Island Health Insurance Laws
Rhode Island law allows insurance companies to deny coverage due to health problems. The exception is individuals who are HIPAA eligible; they are guaranteed coverage and will not have an exclusion period. Check with your state insurance department for eligibility requirements.
No individual who has had 12 months of continuous coverage prior to application can be rejected for coverage from any insurance company. Pre-existing conditions can be temporarily excluded with the imposition of a maximum exclusion period of 12 months, or permanently excluded with the use of an elimination rider. Pregnancy qualifies as a pre-existing condition, genetic information does not.
It should be noted that Blue Cross Blue Shield of Rhode Island imposes shorter exclusion periods or none at all. There are no regulations limiting premium prices. It is prohibited for insurance companies to cancel your policy because you become sick.
Individual Health Insurance Companies in Rhode Island
Assurant Health
Blue Cross Blue Shield of Rhode Island
Celtic
Fairmont Specialty Group
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