Health insurers have filed their requests for rate increases (or, in one case, decreases!) for the coming year (effective January 2015). The Office of the Health Insurance Commissioner reviews those requests to make sure they're fair, and then issues a ruling, probably by mid-July. Before then, you have an opportunity to weigh in.
Here are the details on those opportunities, plus OHIC's summary of what insurers have requested.
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.
The public comment period has ended and now the Rhode Island health department must decide whether United Healthcare can cut Landmark Medical Center from its insurance network. The decision could affect thousands of patients.
New rules for Medicare Advantage plan members give seniors more flexibility to opt out of plans that drop their doctors from the network.
The Centers for Medicare and Medicaid Services has announced that Medicare Advantage plan members will be able to switch plans if those plans drop doctors mid-year without cause. These are Medicare plans offered by private insurance companies and often operate like HMOs.
Connecticut doctors sued United Healthcare for dropping them from their Medicare Advantage network. Will Rhode Island follow suit?
Probably not, says Steven DeToy with the Rhode Island Medical Society. He told me he thinks it's unlikely the doctors will have any luck in court because United had the right to drop doctors - it's in their contract. And if they did, it could get expensive and messy: doctors could be responsible for half the cost of mediation if it comes to that.