Open Enrollment / New Health Plans for 2019


Open enrollment will run from October 22–November 30, 2018. During this period, most State employees will be able to choose from three new medical/prescription plans for coverage in 2019. There will also be enhancements to the standard dental and vision plans, as well as new dental and vision options offering even more coverage than the standard plans.



Below are some highlights on open enrollment and the new health plans. Visit the Medical, Prescription, Dental and Vision pages for more information on the new health plans.

Lincoln Woods
  • Open enrollment period: October 22–November 30, 2018
  • 50+ open enrollment events at locations throughout the State
    • › Open enrollment fairs

      The Open Enrollment Fairs will be your one-stop shop to talk to the State’s benefits partners directly and ask your personal questions. Free flu shots will also be available at most fairs!

      As part of its commitment to financial wellness, the OEB is also featuring six special HSA seminars during select Open Enrollment Fairs. These "Understanding Health Savings Accounts" sessions are easy-to-understand workshops where you can learn the HSA basics from contributions and distributions to IRS rules and qualified expenses. Registration is not required to attend, but if you'd like to reserve your spot, visit www.metlifeplansmart.com and enter State of RI as your company name.

      Printable fairs schedule

      Location Address Date Time Attending Vendors
      Eleanor Slater Hospital—Zambarano 2090 Wallum Lake Road, Pascoag
      Auditorium
      10/22/18 1:00pm–4:30pm OEB + ALEX, HR, UHC, CVS, Delta Dental
      Department of Environmental Management 235 Promenade Street, Providence
      Room 300
      10/23/18 10:00am–1:30pm OEB + ALEX, HR, UHC, CVS, Delta Dental, VSP
      CCRI Flanagan Campus—Lincoln 1762 Louisquissett Pike, Lincoln
      Faculty Dining Room
      10/24/18 10:00am–1:30pm OEB + ALEX, HR, UHC, CVS, Delta Dental, VSP
      Office of Attorney General
      (open to Attorney General employees only)
      180 South Main Street, Providence
      Conference Room
      10/25/18 10:00am–1:30pm OEB + ALEX, HR, UHC, CVS, Delta Dental, VSP
      Warwick State Offices 50 Service Avenue, Warwick
      Cafeteria
      10/26/18 10:00am–1:30pm OEB + ALEX, HR, UHC, CVS, Delta Dental
      State House 82 Smith Street, Providence
      Bell Room, 1st Floor
      10/29/18 10:00am–1:30pm OEB + ALEX, HR, UHC, CVS, Delta Dental
      Department of Corrections 18 Wilma Schesler Lane (Dix Building), Cranston
      Conference Room, 2nd Floor
      10/30/18 1:00pm–4:30pm OEB + ALEX, HR, UHC, CVS, Delta Dental, VSP
      Department of Administration
      *w/ HSA seminar*
      One Capitol Hill, Providence
      Atrium
      HSA Seminar—Conference Room 2B
      10/31/18 10:00am–1:30pm
      12:30pm–1:30pm
      OEB + ALEX, HR, UHC, CVS, Delta Dental, Chewsie, VSP; YMCA; Fidelity, TIAA, Voya; Aetna; Hyatt; Aflac, Colonial; College Bound Saver
      John O. Pastore Center 111 Howard Avenue (Regan Building), Cranston
      Arnold Conference Center
      11/1/18 10:00am–1:30pm OEB + ALEX, HR, UHC, CVS, Delta Dental, Chewsie, VSP; YMCA; Fidelity, TIAA, Voya; Aetna; Hyatt; Aflac, Colonial; College Bound Saver
      Veteran's Home 480 Metacom Avenue
      Bristol Galley
      11/5/18 2:00pm–5:30pm OEB + ALEX, HR, UHC, CVS, Delta Dental
      CCRI Knight Campus—Warwick
      *w/ HSA seminar*
      400 East Avenue, Warwick
      Lower Commons
      HSA Seminar—Room 1134
      11/7/18 10:00am–1:30pm
      12:00pm–1:00pm
      OEB + ALEX, HR, UHC, CVS, Delta Dental, Chewsie, VSP; YMCA; Fidelity, TIAA, Voya; Aetna; Hyatt; Aflac, Colonial; College Bound Saver
      University of Rhode Island
      *w/ HSA seminar*
      80 Lower College Road, Kingston
      Fair & HSA Seminar—Memorial Union Ballroom
      11/8/18 11:00am–3:00pm
      12:00pm–1:00pm
      OEB + ALEX, HR, UHC, CVS, Delta Dental, Chewsie, VSP; YMCA; Fidelity, TIAA, Voya; Aetna; Hyatt; Aflac, Colonial; College Bound Saver
      Department of Labor and Training 1511 Pontiac Avenue, Cranston
      Room 73-1
      11/9/18 10:00am–1:30pm OEB + ALEX, HR, UHC, CVS, Delta Dental, VSP
      Rhode Island College
      *w/ HSA seminar*
      600 Mount Pleasant Avenue, Providence
      Fair & HSA Seminar—Student Union Ball Room
      11/13/18 10:00am–1:30pm
      12:00pm–1:00pm
      OEB + ALEX, HR, UHC, CVS, Delta Dental, Chewsie, VSP; YMCA; Fidelity, TIAA, Voya; Aetna; Hyatt; Aflac, Colonial; College Bound Saver
      John O. Pastore Center 111 Howard Avenue (Regan Building), Cranston
      Arnold Conference Center
      11/14/18 2:00pm–5:30pm OEB + ALEX, HR, UHC, CVS, Delta Dental, Chewsie, VSP; YMCA; Fidelity, TIAA, Voya; Aetna; Hyatt; Aflac, Colonial; College Bound Saver
      Department of Education URI Providence
      *w/ HSA seminar*
      255 Westminster Street (Shepard Building), Providence
      Fair & HSA Seminar—Paff Auditorium
      11/15/18 10:00am–1:30pm
      12:00pm–1:00pm
      OEB + ALEX, HR, UHC, CVS, Delta Dental, Chewsie; YMCA; Fidelity, TIAA, Voya; Aetna; Hyatt; Aflac, Colonial; College Bound Saver
      Department of Administration
      *w/ HSA seminar*
      One Capitol Hill, Providence
      Atrium
      HSA Seminar—Conference Room 2B
      11/16/18 10:00am–1:30pm
      12:00pm–1:00pm
      OEB + ALEX, HR, UHC, CVS, Delta Dental, Chewsie, VSP; YMCA; Fidelity, TIAA, Voya; Aetna; Hyatt; Aflac, Colonial; College Bound Saver
      › Medical presentations

      The medical presentations will be hosted by UnitedHealthcare. Representatives will offer a deep-dive into the medical/prescription plans and give an overview of the online enrollment process.

      UHC Medical Presentation Slides

      Printable presentations schedule

      Location Address Date Time
      Department of Corrections 18 Wilma Schesler Lane (Dix Building), Cranston
      Conference Room, 2nd Floor
      10/19/18 12:30pm–1:30pm
      3:15pm–4:15pm
      Eleanor Slater Hospital—Zambarano 2090 Wallum Lake Road, Pascoag
      Auditorium
      10/23/18 12:30pm–1:30pm
      3:30pm–4:30pm
      Department of Environmental Management 235 Promenade Street, Providence
      Room 300
      10/24/18 2:00pm–3:00pm
      CCRI Flanagan Campus—Lincoln 1762 Louisquissett Pike, Lincoln
      Faculty Dining Room
      10/25/18 10:00am–11:00am
      Rhode Island School for the Deaf
      (ASL interpreter available)
      One Corliss Park, Providence
      Cafeteria
      10/25/18 3:15pm–4:15pm
      Office of Attorney General
      (open to Attorney General employees only)
      180 South Main Street, Providence
      Conference Room (limited space)
      10/26/18 2:00pm–3:00pm
      Warwick State Offices 50 Service Avenue, Warwick
      Conference Room, 2nd Floor
      10/29/18 2:00pm–3:00pm
      Department of Children, Youth and Families 101 Friendship Street, Providence
      Conference Room, 2nd Floor (limited space)
      10/31/18 10:30am–11:30am
      Department of Corrections 40 Howard Avenue (Admin. A Building), Cranston
      Director’s Conference Room
      10/31/18 2:30pm–3:30pm
      Department of Administration One Capitol Hill, Providence
      Conference Room 2A
      11/1/18 10:00am–11:00am
      Department of Health Three Capitol Hill, Providence
      Auditorium
      11/1/18 2:00pm–3:00pm
      State Police Public Safety Complex 311 Danielson Pike, North Scituate
      Col. Stone Conference Room
      11/2/18 10:00am–11:00am
      Executive Office of Health and Human Services 3 West Road (Virks Building), Cranston
      Training Room, 1st Floor
      11/2/18 2:00pm–3:00pm
      John O. Pastore Center 111 Howard Avenue (Regan Building), Cranston
      3rd Floor Library
      11/5/18 12:00pm–1:00pm (CANCELED)

      2:30pm–3:30pm
      Veteran's Home 480 Metacom Avenue
      Bristol Galley
      11/7/18 12:30pm–1:30pm
      3:30pm–4:30pm
      CCRI Knight Campus—Warwick
      (for DOT Maintenance employees only)
      400 East Avenue, Warwick
      Theatre
      11/8/18 8:00am–9:00am
      CCRI Knight Campus—Warwick 400 East Avenue, Warwick
      Room 1134
      11/8/18 12:00pm–1:00pm
      Stedman Government Center 4800 Tower Hill Road, Wakefield
      DCYF Conference Room, 2nd Floor
      11/9/18 10:00am–11:00am
      University of Rhode Island 80 Lower College Road, Kingston
      Memorial Union Ballroom
      11/9/18 2:00pm–3:00pm
      Department of Labor and Training 1511 Pontiac Avenue, Cranston
      Room 73-1
      11/13/18 10:00am–11:00am
      DHS (Providence) 206 Elmwood Avenue, Providence
      Cafeteria, 1st Floor
      11/13/18 2:00pm–3:00pm
      Rhode Island College 600 Mount Pleasant Avenue, Providence
      Student Union Ball Room
      11/14/18 10:00am–11:00am
      DHS (Pawtucket) 249 Roosevelt Avenue, Pawtucket
      Training Room
      11/14/18 2:00pm–3:00pm
      John O. Pastore Center 111 Howard Avenue (Regan Building), Cranston
      Arnold Conference Center
      11/15/18 2:30pm–3:30pm
      5:00pm–6:00pm
      Department of Education
      URI Providence
      255 Westminster Street (Shepard Building), Providence
      Paff Auditorium
      11/16/18 10:00am–11:00am
      Department of Administration One Capitol Hill, Providence
      Conference Room A
      11/16/18 2:00pm–3:00pm
  • 2019 Benefits Guide
    • A brand new 2019 State of Rhode Island Benefits Guide will be mailed to your home in early October. Use this guide to review the State benefits that are available to you, what you should consider before choosing your benefits, and how to enroll.
    • You can also access a digital version of the Benefits Guide at your convenience
    • 2019 State of Rhode Island Benefits Guide
  • ALEX is back!
    • ALEX®—a personalized online decision support tool—is back to help you understand the new health plans and choose what's best for you and your family
    • See a preview of how ALEX can help:
  • Upcoming benefit videos on the OEB website on topics including:
    • What you need to know during open enrollment
    • How do the health plans work, including frequent health coverage terms
    • What's the difference between FSA vs. HSA
    • What are dental/vision "buy-up" plans
  • Topical benefit seminars such as Estate Planning and Understanding HSAs, hosted by MetLife
    • Visit MetLife's website and log on using the code State of RI to view and sign up for the latest workshops
  • Take action during open enrollment! If you take no action, here’s what will happen:
    • Primary Care Physicians (PCP) will be selected for you and your covered dependents.
      • If you do not choose a PCP when you enroll, you will have to wait until you receive your new ID card (usually in late December) showing the PCP that was selected for you. If you’re not happy with that selection, you will have to contact UnitedHealthcare to designate your preferred PCP.
    • Your dependent children ages 19–26 that previously aged off dental and vision coverage will not be added to your 2019 plan, and you will have to wait until the next enrollment period to enroll them for coverage.
    • You (and any currently enrolled dependents) will be enrolled into designated medical, dental and vision plans:
      • If you had this in 2018 You'll get this in 2019
        Medical Medical
           2014 Active Plan    Anchor Plus
           Choice Plus Plan with HSA    Anchor Choice with HSA
        Dental Plan Anchor Dental
        Vision Plan Anchor Vision
        Waive coverage Waive coverage
    • Unless you have $500 or less rolling over into a General or Limited Purpose Health FSA after April 1, 2019, you will not have a Flexible Spending Account in 2019.
  • Vendors: UnitedHealthcare (medical), CVS Health (prescription)
  • Three new medical plans
    • Anchor—moderate deductibles and out-of-pocket maximums (OOPMs).
    • Anchor Plus—lower deductibles and OOPMs but higher co-shares than the Anchor Plan.
    • Anchor Choice—highest deductibles and OOPMs but lowest co-shares and paired with a health savings account (HSA); the State will continue to make HSA contributions of $1,500/$3,000 per individual/family that enrolls.
  • Lower co-shares across all plans
    • Anchor—15% less co-share than the 2014 Plan
    • Anchor Plus—9% less co-share than the 2014 Plan
    • Anchor Choice—4.9% less co-share than the Choice Plus Plan with HSA
  • Things to keep in mind
    • All three plans cover the same medical services
    • All three plans use the same medical network
    • All three plans require you to pay 10% of the cost (your coinsurance) for covered medical expenses when you visit a network provider, after you've met your deductible.
  • All three plans have
    • Primary care physician (PCP) coordination of care
      • You are required to get a referral from your PCP before seeing a specialist. Under the new plans, when seeing a specialist without a referral, your copays or coinsurance increase.
      • You will select a PCP (for each member of your household in the plan) to provide preventive care services and to coordinate your care along the entire health care continuum.
    • Medical necessity requirement
      • Medical necessity is a health industry standard that promotes medically appropriate and effective care by requiring prior authorization for select medical services.
      • Examples of claims that may be subject to medical necessity are radiology service, such as MRIs, and arthroplasty surgery (shoulder, elbow, hip, knee).
    • Place of service tiering for imaging services
      • When using a free-standing imaging center, the cost is covered in full after the deductible. At other locations, such as hospitals, coinsurance applies after the deductible.
    • Combined in-network medical and prescription OOPM
      • Currently, the 2014 Plan has separate medical and prescription OOPMs. Combining the in-network OOPMs allows for both your medical and prescription costs to accumulate to one overall OOPM, thereby limiting the total potential out-of-pocket costs you are responsible for.
    • Visit the Medical page for more information—including co-shares—on the new plans.

* Applicable to non-union employees and unions that ratified new CBAs. Employees belonging to unions that did not ratify new CBAs will remain on either the 2014 Plan or the Choice Plus Plan with HSA.

  • Vendor: Delta Dental RI
  • One base dental plan + two "buy-up" options
    • Anchor Dental—base plan with enhanced benefits
    • Anchor Dental Plus—buy-up option 1
    • Anchor Dental Platinum—buy-up option 2
  • Enhanced base dental plan benefits
    • Increased calendar year maximum and lifetime maximum for orthodontic services
    • Elimination of specific benefit cap for periodontal services
    • 100% coverage for sealants for children under age 14
    • Extension of coverage for dependents to age 26
  • Two additional buy-up options for extra member-paid dental benefits
    • Increased annual plan maximums
    • Coverage for "night guards" for grinding
    • Additional periodontic coverage
    • Coverage for implants
    • No age limit for orthodontics coverage (Anchor Dental Platinum only)
  • Visit the Dental page for more information—including co-shares—on the new plans.
  • Vendor: VSP
  • One base vision plan + one "buy-up" options
    • Anchor Vision—base plan with enhanced benefits
    • Anchor Vision Plus—buy-up option
  • Enhanced base vision plan benefits
    • Increased allowances for retail frames and contact lenses
    • Addition of copay cap for contact lens exam
    • Extension of coverage for dependents to age 26
  • One additional plan option with higher frame and contact lens allowances
  • Visit the Vision page for more information—including co-shares—on the new plans.
apples
  • The Rewards for Wellness program, which offers up to $500 in co-share credits for completing a number of wellness activities, continues in 2019. Co-share credits to be delivered in the first half of 2020.
  • Addition of $500 in co-share credits for both employee and spouse ($250 each) for receiving an annual preventive exam. Co-share credits to be delivered in the second half of 2020.
  • $500 one-time taxable cash incentive for eligible employees who complete 20 out of the 25 sessions in the Diabetes Prevention Program.