Health Insurance Companies in RI Offer Comprehensive Coverage

In Rhode Island, you'll find a variety of health insurance companies offering comprehensive coverage. Blue Cross & Blue Shield of Rhode Island, for example, provides coverage to over 200,000 residents.

Their plans include essential health benefits such as doctor visits, hospital stays, and prescription medication.

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Blue Cross & Blue Shield of Rhode Island is one of the largest health insurance companies in the state, covering over 300,000 members.

They offer a range of plans, including individual and family plans, as well as group plans for employers.

UnitedHealthcare is another major player in Rhode Island's health insurance market, with a network of over 90 hospitals and 20,000 physicians statewide.

Their plans are available to individuals, families, and small business owners, with options for copays, deductibles, and coinsurance.

Ambetter from Health New England offers affordable health insurance plans to Rhode Islanders, with a focus on preventive care and wellness programs.

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Their plans are available to individuals and families, with options for bronze, silver, gold, and platinum levels of coverage.

Harvard Pilgrim Health Care is a regional health insurance company that serves Rhode Island, with a network of over 70,000 physicians and 100 hospitals.

They offer a range of plans, including individual and family plans, as well as group plans for employers and Medicare recipients.

Dental insurance may be a smart addition to your health coverage in Rhode Island. If you're hoping to improve your smile, explore dental coverage options in the state.

There are various types of dental coverage to choose from. You can opt for individual dental plans or group dental plans through your employer.

Hoping to improve your smile? Dental insurance may be a smart addition to your health coverage.

Embrace Benefits is a great option for those in Rhode Island looking for health insurance. They serve families, individuals, and business owners, offering a variety of health insurance options.

Embrace Benefits collaborates with multiple carriers to shop rates and provide personalized insurance packages. This means they can find the best plan for you, taking into account your specific needs and budget.

Embrace Benefits is licensed to accommodate policy buyers in Florida and New Jersey, in addition to Rhode Island. This gives you more flexibility if you're moving or have ties to other states.

Their office provides group health and Medicare Supplement, Medicare Advantage, and Medicare Part D prescription plans. They also offer dental insurance through Altus Dental Insurance Company, Inc.

Supplemental, dental, and vision coverage can be a smart addition to your health coverage.

If you're hoping to improve your smile, dental insurance in Rhode Island may be a good option.

Dental insurance can help cover the cost of dental care, including routine cleanings and procedures like fillings and crowns.

A good dental plan can also provide coverage for orthodontic care, which can be expensive without insurance.

Vision coverage is another type of supplemental coverage that can be added to your health plan.

This type of coverage can help cover the cost of eye exams, glasses, and contact lenses.

Some plans may even offer discounts on LASIK surgery or other elective eye procedures.

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Medicare coverage options are designed to provide seniors and people with disabilities with the care they need.

There are several types of Medicare coverage, including Original Medicare, Medicare Advantage, and Medigap.

Original Medicare is a fee-for-service plan that covers hospital stays, doctor visits, and other medical services.

Medicare Advantage plans, on the other hand, are offered by private insurance companies and often include additional benefits not covered by Original Medicare.

Medigap, also known as Medicare Supplement insurance, helps fill the gaps in Original Medicare coverage, such as deductibles and copays.

In Rhode Island, Medicare Advantage plans are regulated by the state, which means that they must meet certain standards and requirements.

Rhode Island also has its own set of Medigap regulations, which help protect consumers and ensure that they receive the coverage they need.

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The requested increases for health insurance premiums in Rhode Island range from less than 3 percent to nearly 20 percent.

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Blue Cross Blue Shield of Rhode Island requested a 3.1 percent rate increase, which is the smallest among all insurers.

UnitedHealthcare requested the largest increase at 17.5 percent under their HMO plan and a 10.7 percent rate increase under their PPO plan.

The cost and number of healthcare services and prescription drugs used by BCBSRI members are contributing to the increases, according to Gail Carvelli, the spokeswoman for Blue Cross.

Five insurers, including BCBSRI and UnitedHealthcare, filed large group rates with requested increases ranging from 5.3 percent to 14.1 percent.

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In Rhode Island, there are several health insurance companies to choose from, including Blue Cross & Blue Shield of Rhode Island, UnitedHealthcare, and Neighborhood Health Plan of Rhode Island.

Blue Cross & Blue Shield of Rhode Island is the largest health insurance company in the state, covering over 70% of the insured population.

UnitedHealthcare offers a wide range of health insurance plans, including individual and family plans, as well as Medicare and Medicaid plans.

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To be eligible to buy health insurance on the Rhode Island Marketplace, you must be lawfully present in the United States and live in Rhode Island. You also can't be incarcerated or enrolled in Medicare.

To qualify for financial assistance, you must not be eligible to enroll in an affordable employer-sponsored health plan. If you're unsure about the affordability of your employer's plan, you can use the Employer Health Plan Affordability Calculator to see if you might qualify for premium subsidies.

The following groups are generally not eligible to buy on the Marketplace: those who are incarcerated, enrolled in Medicare, or eligible for Rhode Island Medicaid or CHIP. You also can't qualify for subsidies if you're claimed as a tax dependent by someone else.

Here are the basic requirements to qualify for subsidies through HealthSource RI:

In Rhode Island, the average rate change for individual/family coverage through HealthSource RI for 2025 is an overall average increase of 7.8%.

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This increase is made up of a 11% increase for Blue Cross Blue Shield of Rhode Island (BCBSRI) and a 5.9% increase for Neighborhood Health Plan of Rhode Island (NHPRI).

Most enrollees don't pay full price, with 86% receiving premium subsidies in 2024.

The cost of coverage is increasing for the coming year, which may make you want to consider alternative plans through HealthSource RI.

Here's a look at how average full-price Rhode Island health insurance premiums have changed over the years:

If you're looking for affordable health insurance in Rhode Island, you can find it through HealthSource RI, the state's health insurance exchange. You may be eligible for financial assistance that reduces the monthly cost of your coverage, with 86% of enrollees receiving premium subsidies as of early 2024.

These subsidies can cover an average of $454/month, bringing the average enrollee's premium down to about $153/month. To be eligible, you'll need to enroll in a Silver-level plan through HealthSource RI, and your household income shouldn't exceed 250% of the federal poverty level.

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You'll also be eligible for federal cost-sharing reductions (CSR) if your household income is below 250% of the poverty level. These subsidies will reduce your deductible and other out-of-pocket expenses, making it more affordable to receive health care.

Rhode Island Medicaid or CHIP may also be an option if you're eligible, and you can learn more about these programs to see if you qualify. If you've been disenrolled from Rhode Island Medicaid, you may be eligible for premium-free coverage through HealthSource RI for at least two months.

Here are the ways to enroll in a Rhode Island Marketplace plan:

World Insurance Associates, LLC - Providence has been serving individuals, families, and businesses in Rhode Island and neighboring communities since 2011. They offer a wide range of insurance policies, including health, auto, condo, disability, and workers' compensation coverages.

The company's team members carry over 30 years of experience in the insurance industry, with CEO Rich Eknoian having more than 30 years of experience. They also assist clients with business, estate, and retirement planning.

Blue Cross & Blue Shield of Rhode Island (BCBSRI) is an independent licensee of the Blue Cross and Blue Shield Association, founded in 1939. They offer medical plans, dental plans, and Medicare options to individuals, families, and employers, with a headcount of 501-1000 employees.

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Blue Cross & Blue Shield is an insurance provider with a long history in Rhode Island. Founded in 1939, it has been serving the community for over 80 years.

They offer a variety of medical plans, including options for individuals, families, and employers. BCBSRI is also committed to supporting the health and well-being of Rhode Islanders.

Their headquarters is located in Providence, Rhode Island, and they have a team of around 501-1000 employees. You can find more information about them on their website, bcbsri.com.

BCBSRI is an independent licensee of the Blue Cross and Blue Shield Association, which means they have a strong connection to the larger insurance network. This can be beneficial for those looking for comprehensive coverage.

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Let's take a look at the top 20 companies that have been making waves in the industry.

Apple is the world's largest publicly traded company, with a market capitalization of over $2 trillion.

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Amazon has been named the world's most valuable brand for several years, with a brand value of over $300 billion.

Google's parent company, Alphabet, has a market capitalization of over $1 trillion, making it one of the largest companies in the world.

Microsoft has a market capitalization of over $2 trillion, making it one of the most valuable companies in the world.

Facebook's parent company, Meta, has a market capitalization of over $800 billion, making it one of the largest tech companies in the world.

The top 20 companies have a combined market capitalization of over $10 trillion, which is a staggering amount of wealth.

These companies have been able to achieve such great success by innovating and taking risks, often disrupting entire industries in the process.

Amazon has disrupted the retail industry with its e-commerce platform, while Google has disrupted the advertising industry with its targeted ads.

Microsoft has disrupted the software industry with its Windows operating system, while Facebook has disrupted the social media industry with its platform.

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Apple has disrupted the consumer electronics industry with its innovative products, such as the iPhone and iPad.

The top 20 companies have a combined revenue of over $5 trillion, which is a testament to their success and dominance in their respective industries.

These companies have been able to achieve such great success by innovating and taking risks, often disrupting entire industries in the process.

Their success has also created new opportunities for entrepreneurs and small businesses to innovate and grow.

The top 20 companies have a combined market capitalization of over $10 trillion, which is a staggering amount of wealth.

Their influence extends beyond their financial success, with many of them having a significant impact on society and culture.

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