RIte Share is a Medicaid program that helps families get health insurance coverage through their employer (or spouse’s employer). If a family qualifies, RIte Share will pay for all or part of the employee’s share of the group health plan premium. RIte Share also pays for co-payments in the employer’s health insurance plan.
- Eligibility for RIte Share is the same as RIte Care. It is based on family income and family size.
- If an applicant is eligible for Medicaid and their employer (or spouse’s employer) offers a DHS-approved health insurance plan, then the applicant will be enrolled in RIte Share.
- RIte Care coverage is free to families with incomes up to 150% of the federal poverty level, and is available to other eligible families with higher income for a small premium. Depending on their income, families pay between $61 and $92 per month.
- Elderly or disabled people who get Supplemental Security Income (SSI) benefits can also qualify for Medicaid.
Disabled individuals should know that if your income earned from a job increases so that you no longer qualify for SSI, you may be able to continue your Medicaid coverage at least for a limited time.
- People who have high medical expenses may also qualify for Medicaid. You may qualify as medically needy if you are a child, parent of a dependent child, pregnant, elderly, or disabled and have high medical expenses that, when subtracted from your income, would make you eligible for Medicaid coverage. For example, people who have to pay a lot for prescription drugs, nursing home care, or other long term care services sometimes qualify as medically needy if they do not have health insurance that covers these services.
- Retired or disabled people who have low incomes and are enrolled in Medicare may also qualify for help from Medicaid. Even though your income may be too high to qualify for Medicaid insurance coverage, there may be other ways Medicaid can help you.
If your household income is below the poverty level, Medicaid will pay your Medicare monthly premium and your Medicare deductibles and coinsurance. This is called the Qualified Medicare Beneficiary (QMB) program.
If your household income is below 120% of the poverty level, Medicaid will pay for your monthly Medicare premiums only. This is called the Specified Low-Income Medicare Beneficiary (SLMB) program.
- There may be other ways that Medicaid can help. To find out if you or other members of your family qualify for Medicaid, contact the Rhode Island Department of Human Services.
To obtain the locations and telephone numbers of the Department of Human Services offices near you, call (401) 462-5300.