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

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.