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This is not a role for government, but let's assume for a second that it is. This coverage should be treated like any other form of insurance (auto, life, disability, long term care). That is, a medical history is taken of the proposed insured to assess relative risk. If the proposed insured has a track record of drug use, mental health problems, etc. premiums should be proportionally higher. Otherwise, the cost of this coverage would be born by those least likely to need the benefit, driving up everyone else's premiums. If insurance companies wish to offer this coverage as part of their book of business and charge premiums commensurate with the risk, fine. But government involvement only serves to drive up the cost of doing business in RI, which can ill-afford such things.