Need Rhode Island Health Insurance Quotes?

Purchasing health insurance in Rhode Island is an important matter and as such, it deserves significant thought and consideration. Several factors may affect your decision regarding the type and amount of health insurance that you choose to purchase. Regulations regarding health insurance vary from one state to the next. Be sure to consider the following facts, when considering the purchase of Rhode Island health insurance.

Saving lives is a priority in American society. People who visit their doctor regularly may avoid ill health. Health insurance premiums have been rising for several years. Consumers increasingly make the choice to buy health insurance or food. Eventually, these uninsured consumers find themselves in the emergency room. The unpaid health care bills they leave behind are a burden to health care providers and taxpayers.

Rhode Island has many health insurance companies conducting business in the state. Some provide group health benefits to small, medium, and large businesses. Private insurance companies offer health care coverage to individuals, while Medicaid serves low-income residents.

If your employer provides health benefits, you have access to the most cost-effective insurance option. Choosing a preferred provider plan (PPO) or Health Maintenance Organization (HMO) will save you even more money.

Rhode Island allows insurance companies to exclude preexisting conditions for three years from the time you sign up for insurance. During this time, you are responsible for any medical bills relating to those conditions named by your company as preexisting. Rhode Island defines a preexisting condition as one that you received treatment for in the prior 36 months before purchasing your policy. Insurance companies cannot deny health insurance if you had continuous insurance coverage for 12 months before your new policy issues. People who carried insurance continuously for 12 months also cannot have new preexisting exclusions imposed on them.

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