City of Providence Active Employee Benefits

Department of People & Culture
Active Employee Benefits

Please Note: The Open Enrollment period for non-union employees ONLY has been extended through June 15, 2025. This is an active open enrollment, and participation is mandatory for all non-union employees.

Each non-union employee must:

Complete and submit an Open Enrollment form, and
Provide any required supporting documentation if covering dependents (e.g., marriage certificate for a spouse, birth certificate(s) for enrolled child(ren)).

All materials must be submitted to the Total Rewards Department no later than June 15, 2025. Failure to complete this process by the deadline will result in termination of coverage effective July 1, 2025, without exception.

QUALIFYING EVENT

A life event that allows you to make changes to your current health plan

Qualifying Events include: Marriage/Birth/Adoption/Loss of coverage
Documentation: Marriage License/Birth Certificate/Adoption papers/ HIPAA letter

*ALL CHANGES MUST BE SUBMITTED WITHIN 30 DAYS OF THE QUALIFYING EVENT WITH THE PROPER DOCUMENTATION

CITY/WATER/POLICE AND FIRE – OPEN ENROLLMENT IS THE MONTH OF MAY

OPEN ENROLLMENT (Scroll down to bottom of page for group specific information)

Open Enrollment occurs annually in May and allows you to change your coverages for an effective date of July 1 each year.

SCHOOL DEPARTMENT – OPEN ENROLLMENT IS THE MONTH OF SEPTEMBER

OPEN ENROLLMENT

Open Enrollment occurs annually in September and allows you to change your coverages for an effective date of October 1 each year.

Have Questions?

City/Water/Police and Fire:

You may contact the City Benefits Office via email to benefits@providenceri.gov or by calling 401-680-5616 Option 2.

You may also forward completed forms and applications to the City Benefits Office via email to benefits@providenceri.gov; fax to (401) 680-5457 or Interoffice Mail.

School Department:

Active Employees – You may contact the City Benefits Office via email to benefits@ppsd.org or by calling (401) 456-9100 ext. 11172

You may also forward completed forms and applications to the City Benefits Office via email to benefits@ppsd.org; fax to (401) 680-5457 or Interoffice Mail.

Retirees – You may contact Evelyn Dennis via email to edennis@providenceri.gov or by calling (401) 456-9100 ext. 11125

You may also forward completed forms and applications to the City Benefits Office via email to edennis@providenceri.gov; fax to (401) 680-5457 or Interoffice Mail.

Core Benefits

MEDICAL BENEFITS

Provided by Blue Cross Blue Shield of Rhode Island

Local – (401) 429-2290
Out of state residents – 1-866-987-5857
Website: www.bcbsri.com

BCBSRI Member Portal Flyer

We offer comprehensive medical coverage which includes the following (not an exhaustive list):

One annual routine eye exam per the calendar year with co-payment
Medical Policy: Gender Reassignment Surgery

Credible Coverage
2024 City of Providence Medicare Part D Creditable Coverage

PRESCRIPTION BENEFITS

Provided by CVS Caremark

Customer Service: 1-888-790-8070
Website: www.caremark.com

DENTAL BENEFITS

Provided by Delta Dental of RI

Billing - (401) 752-6200
Enrollment - (401) 752-6234
Customer Service - (401) 752-6100
Website: www.deltadentalri.com

BASIC/AD&D LIFE INSURANCE

Administered by MetLife

The City provides Basic Life& AD&D insurance to Active Police, Fire, and Non-Union employees at the City's expense.

Portability/Conversion at Termination
You may be eligible to port or convert your basic and your optional life coverage(s). To be eligible to port coverage, you must have been actively at work on the date employment ended and not retiring. You must complete an application and apply for these options within 31 days of your coverage termination. To obtain an application, Please contact MetLife at 1-877-275-6387, Monday – Friday from 9:00 a.m. to 6:00 p.m. Eastern time, to be connected with a Barnum Financial Professional.
Please reference your group number 235717 or City of Providence when calling.

OPT-OUT OF COVERAGE

Employees may forgo Health Coverage and/or Dental Coverage and be eligible for a buy back. You must submit the form every year during Open Enrollment with a copy of your medical card. For individual, please provide a copy of your medical card and for family, please provide your medical card and one other family member's card.

Please refer to your Group Specific Information at the bottom of this page by clicking the applicable button.

Voluntary Benefits

VISION BENEFITS

Available to City and School Non-Union, Police, Fire and Teachers

Provided by Davis Vision

Website: https://davisvision.com/members/

Davis Vision Plan Summary

A comprehensive benefit ensuring low out-of-pocket cost to members and their families. Convenient Network Locations consisting of a national network of credentialed preferred providers throughout the 50 states.

Freedom of Choice, you will have access to care through either Davis Vision network of independent, private practice doctors or select retail partners. Value-Added Features includes mail order contact lenses replacement contacts (after initial benefit) through DavisVisionContacts.com. Mail order service ensures easy, convenient, purchasing online and quick, direct shipping to your door. Also, Laser Vision Correction discounts of up to 25% off the provider’s Usual and Customary fees or 5% off advertised specials, whichever is lower.

Out-of-Network Benefits

You may receive services from an out-of-network provider, although you will receive the greatest value and maximize your benefit dollars if you select a provider who participates in the network. If you choose an out-of-network provider, you must pay the provider directly for all charges and then submit a claim for reimbursement.

Davis Vision Reimbursement Form

OPTIONAL LIFE INSURANCE

Available to Police, Fire, Non-union employees (City and School Department)

Administered by MetLife

Optional Life Insurance may be elected as a new hire or during Open Enrollment at the employee's cost (cost is based upon employee's age and coverage amount requested). An Evidence of Insurability Form will need to be completed if electing more than $200,000 in optional life insurance.

MetLife Enrollment Form

MetLife Beneficiary Designation

MetLife Optional Life Rates and Overview

FLEXIBLE SPENDING ACCOUNT (FSA)

Healthcare, Dependent Daycare and Transit - Flexible Spending Account - administered by London Health Administrators. in partnership with Blue Cross and Blue Shield of Rhode Island.

FSA claims for 2024-2025 can be submitted until 7/31/25.

BCBSRI Flexible Spending Enrollment Form 2025

COORDINATION OF BENEFITS

Applies to spouses/qualified ex-spouses of active employees who have access to health coverage through his/her employer. Working spouses/ex-spouses must enroll in an individual plan with his/her employer. You as the employee will be reimbursed in your bi-weekly paycheck the cost that your spouse gets deducted out of his/her paycheck.

Your spouse/ex-spouse remains enrolled in full coverage with the City.
Your spouse/ex-spouse is enrolled in his/her employer’s plan as primary and the City’s plan as secondary.
You are reimbursed for the cost of the plan (co-share) that your spouse/ex-spouse pays out of his/her paycheck.
Whatever the spouse’s/ex-spouse’s employer ‘s plan does not cover, the City’s plan covers.
If the only plan available to a working spouse is an HSA, the spouse does not need to enroll (proof/documentation required)
Proof and cost of coverage required – see FAQ for details

Active Coordination of Benefits Form - City/Water/Police and Fire

Active Coordination of Benefits Form - School Department

Active FAQ

Group Specific information can be found by clicking the applicable button below

Active City Employee Benefits Active School Employee Benefits