Commercial Plans for Individuals and Families

SEP (Special Enrollment Period)

Get covered anytime if you experience a major life event. Changes like losing your employer-sponsored health coverage, aging off of your parent’s health coverage, or recently moving to Rhode Island, make you eligible for health insurance anytime during the year through a Special Enrollment Period. To learn more, please call Neighborhood’s Sales Team at 401-459-6075 Monday – Friday 8:30 a.m. to 5 p.m.

Neighborhood has been helping Rhode Island families stay healthy for 30 years by providing access to excellent health care.

Our Commercial plans for individuals and families include:

  • All of the essential health benefits you need to stay healthy, plus more, at an affordable price. You may even qualify for tax-credits to help cover some of the costs of your premium.
  • Preventive care at no cost to you.
  • Access to our entire network of providers, and hospitals, and pharmacies. Check to see if your doctor is in our network.
  • Hospital care, behavioral health services, and emergency services.
  • Prescription drug coverage including mail-order pharmacy. Check to see if your medicine is covered.
  • Neighborhood REWARDS, including gift cards for healthy choices like getting your annual check-up and joining a gym.
  • Special wellness programs to help you manage your health.
  • A friendly and helpful customer service team to ready to assist you.

If you have questions or need help selecting the right plan, our Sales Team is ready to help make your health care easier – it’s what we do.

Click a plan below to learn more: 

INNOVATION

Lowest-priced high deductible Bronze plan

  • $25 copay for PCP visits and behavioral health outpatient visits
  • Prescription drugs apply to deductible before members have a copay or co-insurance

ECONOMY

Lowest-priced health savings account qualified Bronze plan

  • High deductible plan with the lowest monthly premiums
  • Health Savings Accounts are a great way to manage your health care costs

COMMUNITY

Lowest-priced Silver plan

  • High level of coverage once deductible has been met
  • Deductible and other cost-sharing amounts dependent on income
  • Lowest-priced Health Savings Account qualified Silver plan

VALUE

Affordably priced Silver plan with a traditional copay plan design

  • Copays for services like primary care visits, specialty care visits, behavioral health outpatient services, and prescription drugs
  • Deductible and other cost-sharing amounts dependent on income

PLUS

Lowest-priced gold plan with lower copays on certain services

  • Lowest copays for services like primary care visits, specialty care visits, urgent care, and behavioral health outpatient services
  • Low copays for prescription drugs
    in tiers 1-4

ESSENTIAL

Affordably priced Gold plan with traditional copay plan design

  • Low copays for services like primary care visits, specialty care visits, urgent care, and behavioral health outpatient services
  • Low copays for prescription drugs
    in tiers 1-4