Health insurance · Rumford, Rhode Island
Health insurance in Rhode Island
Individual, family and Medicare-related coverage, explained without the jargon. Gilbane helps with plan selection on HealthSource RI, subsidy screening and Medicare supplement questions, in English or Spanish.
What it covers
What health insurance covers
Gilbane works with individuals and families on these plans.
- Individual and family major medical. Comprehensive health plans for you and your household.
- Marketplace plans. Plan selection on HealthSource RI and screening for premium subsidies.
- Medicare. Medicare supplement and Part D guidance.
- Dental and vision. Add-on coverage.
General information, not a policy. What a policy pays depends on its form, endorsements and limits, and on carrier underwriting.
Common gaps
What it does not cover
The exclusions and gaps that most often catch people out.
- Enrollment windows. Outside open enrollment, you need a qualifying life event to enroll or change plans.
- Closed periods. We do not sell coverage during a closed enrollment period you do not qualify for.
Rhode Island
Rhode Island specifics
Rhode Island runs its own exchange, HealthSource RI, with its own deadlines. They are not always the same as the federal dates, so ask us the date before you assume it.
A qualifying life event, such as losing other coverage, marriage, a birth or a move, can open a special enrollment period outside open enrollment.
Before you call
What to bring to Gilbane
This lets a licensed agent quote like for like instead of guessing.
- Everyone in the household who needs coverage, with dates of birth.
- An estimate of household income for the coming year, for subsidy screening.
- Your current plan card or plan name, if you have one.
- Your doctors and prescriptions, so we can check networks and formularies.
- For Medicare: your Medicare card and the effective dates of Parts A and B.
Photograph the documents and text them, email them to info@gilbaneinsurance.com, send them on WhatsApp, or bring them to 428 Pawtucket Ave, Monday to Friday, 9:00 to 5:00.
Answers
Questions about health insurance
Only with a qualifying life event, such as losing other coverage, marriage, a birth or a move. Without one, you wait for the next open enrollment period.
Not always. Rhode Island runs its own exchange with its own deadlines. Call us for the current dates.
Yes. We give guidance on Medicare supplement plans and Part D prescription drug coverage.
Sí. Se habla español: the same agent, at the same desk, on the same day.
Next step
Talk to a licensed agent about health insurance
Start a quote online, or call the office on Pawtucket Ave, Monday to Friday, 9:00 to 5:00. Se habla español. There is no fee for a quote.
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