health care costs

Neighborhood Health Plan of Rhode Island, which manages thousands of the state’s Medicaid patients, has found a way to bring down health costs for some of its highest need patients. The organization’s chief medical officer Paco Trilla says the Health@Home program targeted about 450 patients with multiple chronic conditions. They were using a lot of medical services, but not getting better.                

Or... they could be. Insurers have just filed their requests for premium rate increases with the state’s health insurance commissioner. They’re only preliminary. And in years past the health insurance commissioner has denied some increases. But if experience is any guide, the average monthly premium for most plans will probably go up - in some cases by two-digit percentages.                                                         

It all depends on how you buy your insurance - on your own, through a small business, or through a large business.

When it comes to health insurance, "in-network" means a provider or facility that's contracted with your insurer to provide services at an agreed-upon rate. "Out-of-network" means a provider or facility that doesn't have an agreement with your insurer. Whether in-network or out-of-network providers and facilities are covered, and to what extent, depends on your particular health insurance plan.

Thousands of Rhode Islanders have signed up for health insurance in recent weeks, some for the first time. I'm thinking that means some might not be so familiar with our health care system, or they might not know how to keep costs down with plans that carry higher deductibles or out-of-pocket costs.

So... here are a few tools to help you navigate, from finding the highest quality, to keeping costs down, to managing your own health. It's not an exhaustive list, but a start...if you're starting from scratch!

In a ceremonial signing, Care New England and Memorial Hospital will formalize a new partnership Tuesday.

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