Rhode Island temporary health coverage is necessary for several reasons. You could be between jobs or have only temporary or part-time employment. You also might need Rhode Island temp health insurance while you are waiting for permanent health insurance to begin. It provides an affordable alternative to Consolidated Omnibus Budget Reconciliation Act, or COBRA, insurance.

Health maintenance organizations and preferred provider organizations usually do not provide health care for individuals with temporary medical insurance. Rhode Island generally allows temporary medical insurance providers to receive care from any licensed health professional, however.

Keep the following three points in mind when you are thinking about buying temporary health insurance in Rhode Island:

1. Gap coverage between long-term policies is the primary intent of temporary health insurance. Rhode Island employees should expect to obtain standard health insurance in the future.

2. Unexpected illnesses and injuries are generally covered by temporary medical insurance. Rhode Island short-term health coverage usually does not apply to preventative care or routine examinations, however.

3. Temporary health insurance in Rhode Island is exempted by the Health Insurance Portability and Accountability Act, or HIPAA, so these carriers generally do not need to renew or issue policies to any applicant.

Action Steps
The best contacts and resources to help you get it done

Obtain general information on Rhode Island temporary health insurance policies

Rhode Island temp health insurance premium costs vary widely but will set you back more than an equivalent long-term policy.

I recommend: Get prices for multiple companies that provide RI temporary health insurance at A&R Insurance. This insurer also provides a range of insurance services in Connecticut and Massachusetts.

Explore the types of Rhode Island temporary health insurance policies

RI temporary health insurance is commonly intended for specific groups or medical conditions. Know a given policy's intended purpose before studying it in detail.

I recommend: Read a brief summary of various Rhode Island temporary medical insurance plans available at Rhode Island Health Insurance.

Obtain personalized quotes on temporary health insurance with your zip code

Your initial quote will be more meaningful when you supply personal information about yourself when you apply for temporary health insurance. Rhode Island has websites that will send your application to Rhode Island temporary medical insurance providers.

I recommend: Enter your zip code on Health Plan One. Complete the application form and it will be forwarded to the individual carriers who send a quote back to you.

Tips & Tactics

Helpful advice for making the most of this Guide

• •  Your initial policy for temp health insurance in Rhode Island will probably be limited to six months, but your total coverage can be up to one year. The insurance company will consider several factors, including any claims that you made under the first policy and significant changes to your health when deciding to issue a second policy to you.