Dental Coverage


Overview

The State of Rhode Island offers eligible active employees three options for dental coverage—Anchor Dental, Anchor Dental Plus and Anchor Dental Platinum. All plans are administered by Delta Dental of Rhode Island. Coverage for participating employees is effective on the first day of state employment.



Review the Delta Dental FAQ and click on the tabs below to learn more about your dental coverage options.

Coverage Details

What's New in 2019

Anchor Dental, Anchor Dental Plus and Anchor Dental Platinum all cover basic, restorative and major restorative services as well as orthodontia. All use the same Delta Dental network. Anchor Dental is a base plan, but Anchor Dental Plus and Anchor Dental Platinum are “buy-up” options that offer even greater coverage.

New! Under the Anchor dental plans:

  • Dependents up to age 26 are eligible to enroll. No student certification required.
  • Sealants for children up to age 14 are covered 100%.
  • Periodontal services are now part of the annual plan maximums.
  • Annual plan maximums have been increased.
How Do the "Buy-Up" Options Work?

You can elect to pay a higher premium (co-share) to receive more dental coverage. Keep in mind, however, that the State’s contribution towards the cost of your coverage is the same regardless of whether you elect the base or either of the buy-up options.

Both buy-up options have more covered services and may be worth considering if you or your dependent may need additional dental services in 2019. For example, the Anchor Dental Platinum Plan provides orthodontia coverage for children and adults, and it also has coverage for implants.

Plan Highlights
Anchor Dental Anchor Dental Plus Anchor Dental Platinum
Annual Deductible
Per Person
None None None
Annual Plan Maximum
Per Person
$1,500 $2,000 $2,500
Lifetime Orthodontic Maximum Per Person $1,500 $2,000 $2,500
Basic/Preventive Services
(e.g., exams, cleanings, x-rays, sealants, fluoride treatments)
100% (exams, fluoride treatments covered once per year; occlusal guards and specialty consultations not covered) 100% (exams, fluoride treatments covered twice per year; occlusal guards covered; specialty consultations not covered) 100% (exams, fluoride treatments covered twice per year; occlusal guards covered; specialty consultations covered at 80%)
Major Restorative
(e.g., crowns)
80% 80% 80%
Periodontics
(e.g., scaling/planing)
50% 80% 100%
Implants Not covered Not covered 50% covered up to separate $3,500 lifetime maximum
Orthodontia
(elective braces)
50% for children up to age 19 50% for children up to age 19 50% for children and adults; no age limit
Plan Details

Review the Delta Dental Plan Summary to see how Anchor Dental, Anchor Dental Plus and Anchor Dental Platinum compare across specific coverages.

2019 dental plans comparison

The How Your Delta Dental PPO Plan Works booklet provides useful information for utilizing your dental plan benefits.


Need Help Choosing Your Plan?

Visit the Decision Support page for tools such as ALEX®, the State Employee Benefits Guide and benefits videos & presentations that can help you better understand your plan options and make the best choice for you and your family.

Talk to ALEX
Chewsi

The State offers Chewsi dental to its employees for savings on dental care that may not be covered by traditional dental insurance. Chewsi is a free dental app that helps employees and their families save money on out-of-pocket dental care. The app works for all procedures. There are no limits, maximums, exclusions or claim forms to complete.

Chewsi

Use Chewsi when:

  • You or a family member need or want a dental service that isn’t covered by your dental plan, such as sealants for children, bridges, dentures and implants, teeth whitening, adult orthodontic care, night guards and more
  • You or a family member has exceeded the plan year maximum, but need additional care
  • You or a family member (such as dependents over age 19 who are not full-time students, or part-time employees) do not have access to insurance

There is no cost or payroll deduction to use the app. Download Chewsi in the App Store or Google Play. Visit www.chewsidental.com to learn more.

Any State employee that satisfies all of the following criteria is eligible to enroll:

The following dependents are also eligible for enrollment:

  • Spouse
  • Domestic partner
  • Children* (Covered up to age 26) new

* Children of domestic partners are not eligible unless they are also the natural/adopted child of the employee, or the employee has legal guardianship.

Enrollment periods

Employees may enroll in dental coverage during one of the following periods:

Enrollment process

Step 1: Do your research!

Step 2: Enroll in medical, dental and/or vision coverage online
Visit the Enrollment page for details on how to access the online enrollment system.

See below for 2019 premium rates—i.e., your co-share.

A co-share is the amount you must pay each pay period for health insurance. Co-shares vary by individual vs. family coverage, as well as by annual salary and full-time/part-time status. Co-shares listed here are for classified and unclassified State employees only. Non-classified union & non-union employees working in higher ed should refer to their college/university website (URI, RIC, CCRI) for their co-shares.


Bi-weekly co-share rates

› 26 Pay Period Classified & Unclassified Employees
Full-time employees
Individual Coverage
Annual Salary* Percentage** Anchor Dental Anchor Dental Plus Anchor Dental Platinum
Less than $99,825 20% $2.95 $4.75 $7.29
$99,825 and above 25% $3.69 $5.49 $8.03
Family Coverage
Annual Salary* Percentage** Anchor Dental Anchor Dental Plus Anchor Dental Platinum
Less than $51,930 15% $5.74 $10.40 $16.98
$51,930 to less than $99,825 20% $7.65 $12.31 $18.89
$99,825 and above 25% $9.56 $14.22 $20.80

Part-time employees***
Individual Coverage
Annual Salary* Percentage** Anchor Dental Anchor Dental Plus Anchor Dental Platinum
Less than $94,095 20% $2.95 $4.75 $7.29
$94,095 and above 35% $5.17 $6.97 $9.51
Family Coverage
Annual Salary* Percentage** Anchor Dental Anchor Dental Plus Anchor Dental Platinum
Less than $94,095 20% $7.65 $12.31 $18.89
$94,095 and above 35% $13.39 $18.05 $24.63

* Does not include overtime or other non-salary wages.
** Percent of health plan working rates.
*** If your scheduled work hours are fewer than the full hours specified for your position, you will be classified as a part-time employee. Your co-share amount is determined according to the full-time annual salary for your job specification, not your part-time wages actually earned.

› 20 Pay Period Employees
Full-time employees
Individual Coverage
Annual Salary* Percentage** Anchor Dental Anchor Dental Plus Anchor Dental Platinum
Less than $99,825 20% $3.84 $6.18 $9.48
$99,825 and above 25% $4.80 $7.14 $10.44
Family Coverage
Annual Salary* Percentage** Anchor Dental Anchor Dental Plus Anchor Dental Platinum
Less than $51,930 15% $7.46 $13.51 $22.07
$51,930 to less than $99,825 20% $9.94 $15.99 $24.55
$99,825 and above 25% $12.43 $18.48 $27.04

Part-time employees***
Individual Coverage
Annual Salary* Percentage** Anchor Dental Anchor Dental Plus Anchor Dental Platinum
Less than $94,095 20% $3.84 $6.18 $9.48
$94,095 and above 35% $6.72 $9.06 $12.36
Family Coverage
Annual Salary* Percentage** Anchor Dental Anchor Dental Plus Anchor Dental Platinum
Less than $94,095 20% $9.94 $15.99 $24.55
$94,095 and above 35% $17.40 $23.45 $32.01

* Does not include overtime or other non-salary wages.
** Percent of health plan working rates.
*** If your scheduled work hours are fewer than the full hours specified for your position, you will be classified as a part-time employee. Your co-share amount is determined according to the full-time annual salary for your job specification, not your part-time wages actually earned.

› RITA & State Police Command Staff
Full-time employees
Individual Coverage
Annual Salary* Percentage** Anchor Dental Anchor Dental Plus Anchor Dental Platinum
Less than $101,323 20% $2.95 $4.75 $7.29
$101,323 and above 25% $3.69 $5.49 $8.03
Family Coverage
Annual Salary* Percentage** Anchor Dental Anchor Dental Plus Anchor Dental Platinum
Less than $52,709 15% $5.74 $10.40 $16.98
$52,709 to less than $101,323 20% $7.65 $12.31 $18.89
$101,323 and above 25% $9.56 $14.22 $20.80

* Does not include overtime or other non-salary wages.
** Percent of health plan working rates.



Printable Rate Tables—2019 Calendar Year

Co-share rates
Working rates (full plan costs)

Please contact Delta Dental to find a participating dentist, print a replacement ID card, view claims history, or obtain other information regarding the state’s dental plan: