What's covered: All approved plans in the state must cover the same package of benefits, called essential health benefits. In Rhode Island, the 10 essential health benefits include:
- Outpatient services, such as doctor visits or tests done outside a hospital
- Emergency services
- Hospital stays
- Pregnancy and baby care
- Mental health and substance abuse services, including behavioral health treatment
- Prescription drugs, including generic and certain brand-name drugs
- Rehab and habilitative services, such as those that help people recover from an accident or injury and those that help people with developmental issue
- Lab tests
- Preventive and wellness services, along with those that help people manage chronic conditions
- Services for children, including dental and eye care
Some services not included: long-term nursing care, acupuncture, and some reconstructive surgery.
Health Insurance Advisor: Check out Web MD’s Health Insurance Advisor to compare different kinds of plans based on your needs.
Financial Aid and Medicaid
You may be eligible for financial aid to help pay for insurance or for government sponsored insurance. Here’s what’s available:
Premium Subsidies (also known as Tax Credits): You may qualify for a subsidy -- money to help pay your health insurance premium each month. The subsidy may be sent directly to your health insurance company and is available only if you buy your insurance in the Marketplace. In general, you'll be eligible if you're single and make about $45,960 or less a year, or if you have a family of four and make about $94,200 or less a year. Subsidies are based on your estimated household income for 2014.
You also may be eligible for cost-sharing subsidies that will reduce your costs when you get medical care. Cost sharing subsidies are available only if you buy a silver-level plan.
Medicaid Expansion: Some states, including Rhode Island, are expanding Medicaid so more people can get health insurance coverage. You may be eligible if your yearly gross income is no more than about $15,856 for one person and $32,499 for a family of four.
CHIP: The Children’s Health Insurance Program provides coverage for children of some families who have a low income but are not eligible for Medicaid.
Check with Health Source RI to see if you are eligible for these programs.
Trained navigators and assisters can teach you about the Marketplace and guide you through enrollment. They are supposed to be fair and impartial and cannot take money from insurance companies. Trained insurance agents also can help you with your choices. Here are several ways you can get help with your insurance decisions:
- Call Center: Call 855-840-4774 for information about your insurance options.
- Web Site: Find more information at Health Source RI. You can create an account, find information about different plans, and buy insurance.
- Other Resources: Go to Event Listings to find a healthcare event in your area.
- Consumer Assistance Programs: These programs will help you understand your rights under the new law. They can help you resolve problems, complaints, and appeals. In Rhode Island, RI REACH (the Rhode Island Insurance Resource, Education, and Assistance Consumer Helpline) provides direct help to consumers. Call toll-free: 855-RIREACH (747-3224) or go to RI REACH.