Rhode Island’s Individual Insurance Regulations
- Insurance companies may be able to turn you down for an individual policy because of your health. However, if you have had insurance on a continuous basis for at least twelve months, you can get individual insurance on a guaranteed basis.
- Newborns and adopted children are covered for 31 days by their parents’ policy.
- Insurance companies must include certain benefits in their plans, including diabetes treatment and hospital stay after delivering a baby.
- An insurance company may be able to permanently exclude coverage on a pre-existing condition, or a condition that occurred within three years of applying for individual coverage.
- Your insurance policy cannot be cancelled simply because you are ill.
Rhode Island State Insurance Assistance
RIte Care offers children up to the age of 19 and pregnant women from families that have qualifying low income healthcare coverage. Parents with dependent children may also qualify.
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