Rhode Island Medical Insurance
Need Rhode Island medical insurance for you and your family? Well, you are definitely on the right track. You already have the upper-hand for getting a list of health insurance agencies, quotes and policies - you're online, and online insurance hunting is much easier than going blind. Look through what you have accumulated to determine which of them best suit your household. Considering that you're looking in Rhode Island, you'll find that you already have another step up: The quality of health care in Rhode Island.
Rhode Island was recently ranked as having the highest quality health care system in the United States. Every resident of Rhode Island is offered health insurance, regardless of preexisting conditions, by Blue Cross Blue Shield. Any applicant that has been covered previously for 12 continuous must be offered at least two comparable policies by every private insurance company and that applicant cannot be denied because of health.
Available Medical Insurance Policies in Rhode Island
If you take a look at the benefits your employer has to offer, you may find something that you are eligible for. If you are still within the waiting period for receiving health benefits, you may want to consider getting a short-term health insurance plan. You can purchase this in intervals between one and 12 months; purchase the term that will keep you covered until you are able to receive your employer's benefits. Once you are eligible, you might want to look into getting COBRA. If you were to lose your job or health plan, you and your family will still be covered for a short while. This will give you some time to look for another job and/or health insurance policy.
Another option for you is to get a High Deductible Health Plan, or HDHP. Although you will be paying more upfront, you are given abnormally low premium rates. With this option, you will also be given the option of getting an HSA, Health Savings Account. This is a tax-deferred account that allows you to withdraw and deposit money for medical expenses. It also acts as a 401K, allowing you to withdraw the money once you reach retirement age.
Browse around for a while until you find something that may cater to you and your household's health care. Don't get anything more and don't get anything less.