Rhode Island Health Insurance
Rhode Island may be a small state, but its health care ranking has some incredibly big pluses. Rhode Island ranks #1 in the percent of women receiving prenatal care, according to the Department of Health and Human Services.
While insurance companies in Rhode Island are able to turn down someone due to a preexisting condition, an applicant may be able to apply for a guaranteed policy. Typically, it is necessary for the applicant to have 12 months of continuous coverage prior to applying. However, if you missed the open 30 day enrollment period, you are able to get temporary coverage in the mean time.
Whether you have children or are single, having health insurance is very important. Don't be one of the many Americans without proper coverage. Anything can happen at anytime, so be prepared with a policy you can afford.
Cheap Health Insurance Options
The main reason why many Americans are uninsured is because of costs. There are affordable options out there, so take a look around. You can first look to your employer to see if you are eligible for any of their group health plans. The cheapest of them likely will be the HMO, Health Maintenance Organization. The employer decides how much they will pitch in to help pay for prescriptions and doctor visits.
The HMO is a policy that offers low flat-rate premiums and co-payments for medicine and hospital visits. You and your family are given basic coverage. It is required that you pick one of their network doctors as your Primary Care Physician, PCP. He or she will be your go-to doctor for every medical need. If another specialist is required, your PCP will refer you.
Another option is the HSA, Health Savings Account. This gives you freedom of saving and spending money for medical expenses without worrying about taxes. There are no restrictions on what medical treatments the money can be spent on and once you reach retirement age, you are free to withdraw the money. You are required to have a High Deductible Health Plan to qualify for an HSA.
A health insurance discount card may be a good option for you as well. With it, you receive discounted rates for prescriptions and doctor visits. There is a low monthly cost, which is determined by the number of individuals on the plan.