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.
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.
Rhode Islanders who are covered by both Medicare and Medicaid - the so-called "dual eligibles" - take note: you're being enrolled in a new health plan designed to coordinate your primary care and long term care needs a bit better. It's called the Integrated Care Initiative, it could affect nearly 28,000 Rhode Islanders, and it's not without controversy.