Consumer Protection Consumer protection is at the core of all of the work of the Office of the Health Insurance Commissioner. OHIC strives to keep consumers informed, encourage consumer-focused health care innovations, ensure affordable access to health care, and protect consumers by making sure federal and state laws are followed. Rhode Island Parent Information Network (RIPIN) Consumer Helpline Resolving Issues and Filing Complaints With our community partner, the Rhode Island Parent Information Network (RIPIN), OHIC maintains a consumer assistance helpline called RIREACH (The Rhode Island Insurance Resource, Education, and Consumer Helpline) to provide support, education and advocacy to Rhode Islanders facing health care barriers. Any Rhode Islander with any type of health insurance can call RIREACH and speak with trained professionals who can help them navigate the process and get what they need from their coverage. Visit RIPIN's website for more information. Contact the Call Center: 401-270-0101 For more information about filing complaints, visit our Health Insurance Complaints page. Consumer Documents and Links Over-the-Counter COVID-19 Tests As part of the Office of the Health Insurance Commissioner's ongoing efforts to prioritize Rhode Islanders' health and access to services amid the COVID-19 state of emergency, our office issued a bulletin to insurers providing guidance on the new federal regulations regarding coverage of over-the-counter (OTC) COVID-19 tests. Beginning on January 15, 2022, OTC COVID-19 tests purchased by all commercial health insurance members shall be covered by insurers without imposing any cost sharing requirements or prior authorization for consumers. Click here to view flyer. Rhode Island Doula Coverage 101 - Health Insurance Guide Click here to view flyer. Behavioral Health and Substance Use Resource Guide The Mental Health Association of Rhode Island created a behavioral health and substance use resource guide that includes crisis hotlines, referral networks, peer recovery lines, and support groups. Click here to view. The Commonwealth Fund Click here to view their website. The Henry J. Kaiser Family Foundation Click here to view their website. Healthcare.gov Click here to view their website. HealthSource RI To learn more about HealthSource RI, Rhode Island's state-based health insurance exchange, visit their website here. Using Your Health Insurance Plan (NAIC Guidance) Your insurance card has some of the most important information you need about your health plan. It tells providers basic information about your plan and who’s covered. Most insurance cards list toll-free phone numbers and website information where you can access the most current information for your plan. Be sure you check the back of the card for important information. For more information about using your health insurance plan, view the NAIC Guidance here. Advisory Groups and Steering Committees Health Insurance Advisory Council The Health Insurance Advisory Council (HIAC), exists to obtain information and present concerns to the health insurance commissioner from consumers, business, and health care providers affected by commercial health insurance decisions. Each month, members of HIAC meet to review policy reform proposals, regulatory enforcement activities, and any other issues of concern for consumers, business, and providers related to commercial health insurance. View more information here. Rhode Island Health Care Cost Trends Project Steering Committee The Health Care Cost Trends Project is a collaborative partnership between the Office of the Health Insurance Commissioner (OHIC), the Rhode Island Executive Office of Health and Human Services (EOHHS), Brown University’s School of Public Health, and the Peterson Center on Healthcare. The project was convened to study local health care cost trends and establish a target growth rate for the state and is guided by a steering committee comprised of government, business, and community leaders who are committed to improving the health care system by translating data into action. View more information here. Small Business Insurance Group As health care costs increase, the ability of Rhode Island small businesses (2-50 group size) to provide group coverage is impacted and fewer small groups participate in the small group risk pool. The goal of the Small Business Insurance Group is to identify and propose sensible, state based policy options for RI that will be in service to those Principles. View more information here. Telemedicine Advisory Group Membership in the Telemedicine Subcommittee was open to any individual or organization that wished to participate to ensure that as many viewpoints as possible were represented. The Telemedicine Subcommittee was staffed by OHIC, in partnership with EOHHS Medicaid and the Rhode Island Department of Behavioral Healthcare, Development Disabilities and Hospitals (BHDDH), with contracted project support. To facilitate discussions, project staff presented background information about the policy choices, including policies implemented by other states, and considerations for or against adopting a particular policy. View more about the Telemedicine Advisory Group here. Buying Health Insurance To buy insurance through Rhode Island's health insurance exchange, please visit HealthSource RI, or call 1-855-840-4774. To learn more about HealthSource RI, Rhode Island's state-based health insurance exchange, please visit www.healthsourceri.com.