Vision Coverage


Information below pertains to 2020 coverage options. If you are looking for plan information for 2019, please click here.

Overview

The State of Rhode Island offers eligible active employees two options for vision coverage—Anchor Vision and Anchor Vision Plus. Both plans are administered by the Vision Service Plan (VSP). Coverage for participating employees is effective the first day of state employment.


Coverage Details

Key Plan Features for 2020

Anchor Vision and Anchor Vision Plus both offer preventive care coverage and an allowance for frames and contacts. Anchor Vision is a base plan, but Anchor Vision Plus is a "buy-up" option that offer bigger allowances.

Under both Anchor vision plans:

  • Dependents up to age 26 are eligible to enroll.
  • Both plan options offer benefits in- and out-of-network. However, the State encourages you to visit a VSP participating provider to receive the greatest coverage. To find a provider near you, visit www.vsp.com.
  • VSP does not issue ID cards, but you may print one out after registering/logging into your account on www.vsp.com. Your ID number is your Social Security Number. At your appointment, tell your doctor that you are a member of VSP in order for him/her to verify your VSP eligibility.
How Does the "Buy-Up" Option Work?

You can elect to pay a higher premium (co-share) to receive more vision coverage under the "buy-up" option, Anchor Vision Plus. 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 the buy-up option.

Anchor Vision Plus has higher allowances and may be worth considering if you or your dependent may need additional vision services in 2020.

Plan Comparison

Click on the chart below to see how Anchor Vision and Anchor Vision Plus compare across specific coverages.

2020 vision plans comparison

Plan Documents
Document What It Is
Coordination of Benefits A brief overview of how plan coverage works when someone has dual coverage. VSP Coordination of 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
Eyeconic®

VSP offers an online, in-network eyewear store called “Eyeconic,” exclusively for VSP members. Eyeconic has a huge selection of contact lenses and designer frames at low prices. In fact, if you find a lower price, they will refund you the difference. There’s a virtual tryon feature, and shipping and returns are free. Visit www.eyeconic.com to start shopping.

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
    • Imputed Income
      Pursuant to federal guidance, under the State employee health plan the fair market value of any health coverage extended to a domestic partner will be imputed to you as income on your paycheck. This imputed income would be added to the your federal taxable gross wages, State taxable gross wages and social security taxable wages. Additionally, any coverage provided to a domestic partner is paid for on an after-tax basis. You will have additional tax withholdings based on the imputed income and the increased taxable wages due to the reduction in pre-tax contribution. The amount of imputed income is generally around $200 per pay period for medical/prescription, dental and vision coverage, and the amount of the reduction in pre-tax contribution is generally around $100 for the same coverage. This means that you will have additional tax withholdings based on approximately $300 per pay period. Generally, the additional tax withholdings will be in the same proportion as your normal tax withholdings are to your regular pay.
    • Marriage
      If you and your domestic partner get married, it is YOUR responsibility to inform the Office of Employee Benefits in writing immediately. Your failure to do so will prevent you from obtaining refunds of additional tax withholdings based on imputed income. The Office of Employee Benefits will not coordinate such refunds if it is not notified within 31 days of the date of the marriage.
    • Termination of domestic partnership
      If your domestic partnership ends, you will not be able to drop your domestic partner from your coverage until open enrollment (for effect January 1 of the following year) unless your domestic partner experiences a qualifying status change.
    • Addition of new domestic partner
      If you drop your domestic partner, you will not be able to add a new domestic partner for at least 6 months, assuming your new domestic partner meets all eligibility requirements.
  • Children* (Covered up to age 26)

* 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 vision 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 2020 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 Vision Anchor Vision Plus
Less than $102,840 20% $0.46 $1.47
$102,840 and above 25% $0.58 $1.58
Family Coverage
Annual Salary* Percentage** Anchor Vision Anchor Vision Plus
Less than $53,498 15% $0.96 $3.72
$53,498 to less than $102,840 20% $1.28 $4.04
$102,840 and above 25% $1.60 $4.36

Part-time employees***
Individual Coverage
Annual Salary* Percentage** Anchor Vision Anchor Vision Plus
Less than $96,937 20% $0.46 $1.47
$96,937 and above 35% $0.81 $1.81
Family Coverage
Annual Salary* Percentage** Anchor Vision Anchor Vision Plus
Less than $96,937 20% $1.28 $4.04
$96,937 and above 35% $2.24 $5.00

* 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 Vision Anchor Vision Plus
Less than $102,840 20% $0.60 $1.91
$102,840 and above 25% $0.75 $2.06
Family Coverage
Annual Salary* Percentage** Anchor Vision Anchor Vision Plus
Less than $53,498 15% $1.25 $4.83
$53,498 to less than $102,840 20% $1.67 $5.25
$102,840 and above 25% $2.08 $5.67

Part-time employees***
Individual Coverage
Annual Salary* Percentage** Anchor Vision Anchor Vision Plus
Less than $96,937 20% $0.60 $1.91
$96,937 and above 35% $1.06 $2.36
Family Coverage
Annual Salary* Percentage** Anchor Vision Anchor Vision Plus
Less than $96,937 20% $1.67 $5.25
$96,937 and above 35% $2.92 $6.50

* 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 Vision Anchor Vision Plus
Less than $103,349 20% $0.46 $1.47
$103,349 and above 25% $0.58 $1.58
Family Coverage
Annual Salary* Percentage** Anchor Vision Anchor Vision Plus
Less than $53,763 15% $0.96 $3.72
$53,763 to less than $103,349 20% $1.28 $4.04
$103,349 and above 25% $1.60 $4.36

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



Printable Rate Tables—2020 Calendar Year

Co-share rates
Working rates (full plan costs)
In-Network Claims

To view your in-network claims history, please log in to your account at vsp.com.

Out-of-Network Claims

You have two options for submitting an out-of-network claim:

  • Complete the VSP Out-of-Network Reimbursement Form and submit to VSP with a copy of your itemized receipt as instructed on the form, or
  • Log into your account at vsp.com, complete the online claim form and upload a copy of your itemized receipt.
ID Card
  • VSP does not issue ID cards, but you may print one out after registering/logging into your account on www.vsp.com. Your ID number is your Social Security Number. At your appointment, tell your doctor that you are a member of VSP in order for him/her to verify your VSP eligibility.

Please contact VSP to find a participating doctor or if you have other questions regarding your vision coverage: