Medical Insurance
RISD offers three (3) medical plan options for staff budgeted to work at least 17.5 hours per week and 910 hours per year. All options are fully insured through Blue Cross Blue Shield of Rhode Island (BCBSRI).
High Premium/Low Deductible
Mid Premium/Mid Deductible
Low Premium/High Deductible
Additional information
Start date: First of the month coinciding with or following the date of hire.
End date: Last day of the month following the last day of employment or the date a dependent is no longer an eligible dependent. Dependents on your plan are no longer eligible effective the end of the month in which they turn 26.
Changes: Employees may elect/change/terminate participation during the annual open enrollment period or upon experiencing a qualifying event, (e.g. birth of a child, marriage, divorce, involuntary loss of coverage). Employees must make qualifying event requests, including appropriate supporting documentation, within 31 days from the date of the qualifying event.
Cost: Review the full-time monthly staff, full-time biweekly staff, and part-time staff cost for the medical plan options.
Additional resources
- RISD plan cost comparison tool
- Medical comparison chart
- CVS Caremark drug list
- RISD prescription drug coverage and medicare
Changes to COVID-19-related Benefits
Earlier this year, the Biden Administration announced its intent to end the national emergency and public health emergency declarations on May 11, 2023, related to the COVID-19 pandemic. Additionally, the Rhode Island State of Emergency for COVID-19 is also set to end on the same date.
As a result, as of May 12, 2023, BCBSRI and RISD’s pharmacy benefit manager CVS will be implementing coverage changes for COVID-19 vaccines, tests, and treatment. Highlights include but are not limited to:
- 100% coverage for in-network COVID-19 vaccines
- Covered COVID-19 lab testing with provider’s order
- Over-the-counter COVID tests, however, will no longer be covered with or without a provider’s order. (Note that members will be able to purchase over-the-counter COVID tests using HSA/FSA funds.)
For full details, click here.
Transparency in Coverage Rule and Machine-Readable Files
This link leads to the machine-readable files that are made available in response to the federal Transparency in Coverage Rule and includes negotiated service rates and out-of-network allowed amounts between health plans and healthcare providers. The machine-readable files are formatted to allow researchers, regulators, and application developers to more easily access and analyze data. It is not intended to be a cost comparison tool for employees and dependents in RISD’s medical plans. To access BCBSRI’s plan cost comparison tools, please visit https://www.bcbsri.com/developers.
Dental Insurance
RISD offers dental insurance through Delta Dental of Rhode Island for staff budgeted to work at least 17.5 hours per week and 910 hours per year.
- Review the Delta Dental premier plus summary
- Review the Delta Dental premier summary
- Delta Dental teledentistry
Start Date: First of the month coinciding with or following the date of hire.
End Date: Last day of the month following the last day of employment or the date a dependent is no longer an eligible dependent. Dependents on your plan are no longer eligible effective the end of the year in which they turn 26.
Changes: Employees may elect/change/terminate participation during the annual open enrollment period or upon experiencing a qualifying event, (e.g. birth of a child, marriage, divorce, involuntary loss of coverage). Employees must make qualifying event requests, including appropriate supporting documentation, within 31 days from the date of the qualifying event.
Cost: Review the full-time monthly staff, full-time biweekly staff, and part-time staff cost for the dental plan options.
Vision Coverage
RISD offers vision coverage through Davis Vision Plan for staff budgeted to work at least 17.5 hours per week and 910 hours per year.
- Review the vision plan summary
- Online Retailer Information
- Davis Vision out-of-network claim form
- Instructions for Finding a Provider
Start Date: First of the month coinciding with or following the date of hire.
End Date: Last day of the month following the last day of employment or the date a dependent is no longer an eligible dependent. Dependents on your plan are no longer eligible effective the day in which they turn 26.
Changes: Employees may elect/change/terminate participation during the annual open enrollment period or upon experiencing a qualifying event, (e.g. birth of a child, marriage, divorce, involuntary loss of coverage). Employees must make qualifying event requests, including appropriate supporting documentation, within 31 days from the date of the qualifying event.
Cost: Review the full-time monthly staff, full-time biweekly staff, and part-time staff cost for the vision plan.