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Israel, Iran trade strikes as Trump weighs U.S. involvement in conflict; Challenge to ND gender-affirming care ban in play, despite SCOTUS ruling; 'Jubilee Day' was honored before Juneteenth in 1800s Indiana; Ohio urged to restore $61M for foster care in final budget talks.

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Lawmakers on both sides urge President Trump not to enter the Israel-Iran war. Supreme Court deals the transgender community a major blow by upholding a Tennessee state law.

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Hurricane Helene mobilized the North Carolina community of Marshall in unexpected ways, giant data centers powering AI want cheap rural land but can face community pushback, and ceramics made by Cherokee potters honor multiple generations.

Experts have advice for RI residents during Medicare open enrollment period

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Friday, October 25, 2024   

Rhode Island experts said people must carefully consider what is important to them in an insurance plan during Medicare's open enrollment period.

Fewer Rhode Islanders are uninsured. Though it suggests the growing affordability of plans with enhanced federal tax credits for those buying on the marketplace, a common reason people give for being uninsured is the premiums are too high.

Christina O'Reilly, communications director for HealthSource Rhode Island, said beyond what's covered, when trying to find a plan, people should pay attention to how things are covered.

"Every plan can vary a little bit," O'Reilly explained. "Really taking a 'fine tooth comb look' at the plan offering, and really considering where your particular needs are, or your anticipated needs, is really important."

She added people should ensure they are not exposed to too many out-of-pocket costs because a plan might have a 40% copay. O'Reilly pointed out preventive care is essential to reducing overall health care costs. Some insurance companies find it leads to better health outcomes and consumers saving up to 5% on insurance premiums.

Other experts noted people should look beyond monthly premiums when considering costs.

Dr. Rhonda Randall, chief medical officer and executive vice president of UnitedHealthcare Employer and Individual, said a plan's deductibles should also be considered.

"What is your out-of-pocket responsibility going to be? Certain services may have a copay or coinsurance associated with them," Randall pointed out. "Are you interested in the plan that makes it really easy to get virtual care, or go to your primary care doctor for a lower and sometimes even a $0 copay?"

She added it is important to confirm your current physicians are part of the plan's network and any prescription medications you take are still covered. Being unable to pay medical bills has led some Rhode Island families to spend the majority of their savings, take on credit card debt or borrow against their home or go without necessities.

Disclosure: UnitedHealthcare contributes to our fund for reporting on Health Issues. If you would like to help support news in the public interest, click here.


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