Beware Of 'Junk' Health Insurance: Rhode Island AG

Rhode Islanders should be wary of “junk” health insurance plans that do not provide the same coverage as regulated health insurance plans, the state's attorney general warned.

“Consumers have enough to worry about without wondering whether their health insurance is legitimate or not,” Attorney General Peter F. Neronha said in a media release.

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“With skyrocketing premiums and the failure of the federal government to extend tax credits, health insurance has never been more expensive, leaving consumers searching for cheaper alternatives," Neronha said. "With open enrollment now underway, Rhode Islanders may see more advertisements promoting fake or low-value health insurance plans. As long as there is money to be made from health care, there will be those who are ready and willing to exploit consumers to turn a profit. I urge consumers to educate themselves before making any health insurance plan purchases to ensure that the product is both legitimate and adequate for the needs of you and your family.”

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The release listed the following signs that the insurance plan may not be adequate:

• Disclaimers that the product being sold is not insurance
• Misleading names or logos
• Telemarketers, robocalls, and certain forms of internet marketing
• Coverage caps, broad coverage exclusions, or products that offer coverage for short or limited durations
• Very low-priced premiums or claims about limited time offers

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