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Medical Insurance

The State of Rhode Island offers eligible active employees three medical plans – Anchor, Anchor Plus and Anchor Choice with HSA. All plans are administered by Blue Cross & Blue Shield of Rhode Island (BCBSRI). Coverage for participating employees is effective on the first day of state employment.

Blue Cross Anchor Plan Summary

Blue Cross Anchor Plus Plan Summary

Blue Cross Anchor Choice with HSA Plan Summary

If you enroll in the Anchor Choice Plan, an HSA account will be opened for you. The State’s annual contribution to your account will total $1,500 for individual coverage or $3,000 for family coverage.

Eligible State employees automatically receive prescription coverage when they enroll in one of the State's medical plans. Coverage is effective on the first day of state employment.

Click here to be redirected to the State Employee Benefits website and learn more about the medical plans.

Applicable co-shares will be deducted from the employees biweekly pay on a pre-tax basis. Employees who take a leave of absence without pay and wish to continue their medical coverage will be responsible for payment of any premiums due while on leave. Click on the schedule of current co-shares and scroll down to the applicable pay schedule below:

2020 Bi-Weekly Premium Rates (Co-Shares)

Classified and Unclassified Staff - 26 Pay Periods

Classified and Unclassified Staff - 20 Pay Periods

Non-classified Faculty and Staff

Changes to medical insurance may be made during open enrollment, and take effect the first pay period in January, unless a Qualifying Status Change is experienced.

Any change in employment classification that would result in the loss of eligibility to participate in the health insurance plan may qualify an employee for benefits continuation under the Consolidated Omnibus Budget Reconciliation Act (COBRA). Employees should refer to the COBRA (Continuation of Health Insurance Coverage) policy for more information.

If you waive medical/prescription drug coverage and show you’re enrolled in other qualifying coverage, you are eligible to receive up to $1,001.00 as an opt-out payment. However, not everyone is eligible to receive this opt-out payment—please review the eligibility provisions on the Office of Employee Benefits website. To waive medical/prescription drug coverage and receive the opt-out payment, you will need to waive coverage through the online enrollment system. Employees may also waive dental and/or vision plans if desired with no additional reimbursement.

Please note the following exceptions to the waiver:

  1. If two state-employed spouses are hired into state service and both are eligible for health insurance, the health co-share rates will be based on the income of the higher earning spouse and the other spouse will not receive any waiver payment.
  2. An employee may reverse the waiver should a change in family status result in a loss of coverage through other means.

All Medical coverage waiver requests must be made through Workterra, the State's online enrollment system.

Need Help Choosing Your Plan?

Visit the Decision Support page for tools such as our Health Plans Comparison and ALEX® that can help you better understand your plan options and make the best choice for you and your family.