Rhode Island open enrollment
Open enrollment is a good time to look beyond the premium, consider how you access everyday care, and make sure your coverage supports the life you actually live.
2027 deadlines
Whether you are reviewing Medicare or individual and family coverage, start with the care you use, the clinicians you want to keep, and the financial protection you need for care beyond the primary-care office.
Medicare
Medicare Open Enrollment is the annual window to join, change, or drop Medicare Advantage or prescription drug coverage for the following year. Changes made by December 7 take effect January 1.
Review Medicare enrollment options →HealthSource RI
Rhode Islanders can enroll in, renew, or change individual and family health coverage through HealthSource RI. It is also the place to see whether financial help may be available.
Explore HealthSource RI options →A better way to compare
Direct primary care is not insurance. A Weatherly membership covers the primary care described in the membership agreement, while insurance can help with the larger and less predictable costs outside the practice, including hospital care, emergency care, specialists, imaging, many labs, and prescriptions.
That makes open enrollment a chance to consider how the two can work together, rather than treating one as a replacement for the other.
See what Weatherly membership covers →Plan design matters
PPO plans often allow more freedom to see specialists without an in-network primary-care referral. That flexibility can be helpful when your primary care relationship sits outside the insurance network.
For some people, a high-deductible plan paired with a DPC membership is another practical arrangement: the plan is there for major or unexpected care, while the membership makes routine primary care more direct and predictable.
A note about HMOs
An HMO can be a sensible choice for many households. But if your plan requires specialist referrals from an in-network primary care provider, a direct primary care clinician outside that network may not be able to meet that requirement. In that situation, you may need to keep an in-network primary care provider on the plan for referral purposes.
Every plan is different. Before changing coverage, ask the insurer how it handles outside primary care, specialist referrals, and out-of-network services. A clear answer now can prevent an expensive surprise later.
For people with Medicare
Use Medicare Open Enrollment to review the plan notices you receive, your medications, preferred pharmacies, specialist needs, and the doctors you want involved in your care. If you are considering Weatherly, a complimentary meet-and-greet is a comfortable place to ask how the membership and Medicare opt-out arrangement fit alongside the coverage you choose.
For plan comparisons and enrollment decisions, use Medicare’s Plan Compare tool or speak with a licensed Medicare professional.
Learn how Weatherly worksFrequently asked questions
No. A Weatherly membership pays for the primary care described in the membership agreement. It is not health insurance, and it does not replace coverage for hospital care, specialists, emergency care, imaging, prescriptions, or other care outside the practice.
A PPO often gives you more flexibility to use specialists without a referral from an in-network primary care provider. A high-deductible plan can help protect against large, unexpected medical expenses while a DPC membership provides a more direct way to pay for routine primary care. Coverage details, networks, and referral rules differ by plan, so review your specific plan before enrolling.
You can choose a Weatherly membership, but it is important to understand your HMO’s rules first. Weatherly does not bill insurance and is not an in-network HMO primary care provider. Some HMO plans require referrals from their designated in-network primary care provider before specialty care is covered. Check with the plan before making a change.
Weatherly welcomes patients age 65 and older. Bring your Medicare information to a meet-and-greet so you can understand how the membership and Weatherly’s Medicare opt-out arrangement work alongside the rest of your coverage. Medicare.gov and a licensed Medicare professional can help with plan-specific enrollment decisions.
Weatherly can explain its membership and how care is coordinated outside the practice. It does not sell insurance or recommend a specific policy. For coverage and enrollment decisions, use your insurer, employer benefits team, HealthSource RI, Medicare, or a licensed insurance professional.
Email Weatherly with non-medical questions about membership, open enrollment, or whether the practice may be a good fit.
Email Weatherly