We are here to provide you, our customer, with everything you need to make an educated decision relative to your new Health Insurance Policy. Unlike every other company you will get no high pressure sales pitch here. Our promise to you is that we will provide you with the top 5 Health Insurance Carriers in Rhode Island and allow you to make an unpressured decision. Only speak to a broker if you want to! Your new health insurance policy is only 3 minutes away!
It
is important to understand the Rhode Island health insurance
regulations before
applying. In Rhode
Island, insurance
companies are not require to accept your application if you have an
existing
medical condition. The companies have the ability to attach an
elimination
rider to your medical policy specific to the pre-existing condition. In
addition, there are no limits on the monthly premiums that health
carriers can
charge, in Rhode Island, for a health plan or on increases at the time
of
renewal. No Rhode Island Insurance Company can cancel you after getting
sick.If an
individual is HIPAA eligible, or has
had 12 months of credible coverage, insurance companies must offer them
at
least 2 plans.
Like
many other residents of Rhode Island, you might find yourself on COBRA
and not
know what to do.COBRA
stands for
Consolidated Omnibus Budget Reconciliation Act of 1985.In short this allows Rhode Island Residents
to continue getting their Rhode Island Group Health Insurance even if
they are
not employed by their employer anymore.Rhode Island COBRA Health Insurance is similar to most
other states in
the fact it only lasts for 18 months, in most instances.
Many
students are in college and find themselves paying a lot for Rhode
Island
Student Health Insurance.This
does not
have to be the case.There
are certain
requirements Rhode Island has for it’s student health insurance
policies, but
for the most case RI Student Health Insurance is very affordable.To get a quote just click
here!
Rhode
Island Short
Term Health Insurance
Short
Term Health Insurance can be very useful if you are in-between jobs,
just
graduated college, or just started a job that has a 3+ month waiting
period
before you are eligible for benefits.Rhode Island Short Term Health Insurance is very
affordable and very
easy to apply for.For
a quote just click
here!
QuicklyQuoteMe Recommends
We understand health insurance premiums continue to skyrocket! If you are a relatively healthy individual, or family, we recommend taking a high deductible plan and paying for the smaller medical expenses out of your pocket. In the short term it might seem like not a great idea, but over the long term most people find themselves saving money year after year.
Still have questions? Please fill out our contact form and a licensed Rhode Island Health Insurance Professional will contact you.
Not ready to buy but want to stay in contact with us? Input your email address below and we will send you our contact information automatically so you will always be able to come back with questions or to sign up for a policy.
Top Rated Rhode Island Health Insurance Companies
PacifiCare – Is a large provider of Health Insurance Benefits for Rhode Island Residents as well as small business’s. They offer HMO’s, PPO’s and HSA’s. PacifiCare has very strong policies and great networks of doctors and Hospitals
Golden Rule – Golden Rule actually underwrites United Health Cares policies. Golden Rule works exclusively on the individual and group medical markets. It is hard to find a stronger rated company. AM Best rated them (A) for "excellent" and Standard and Poor’s gave them a (A+) which represents "strong".
