THE ELECTIONS YOU MAKE AS A NEW HIRE WILL REMAIN IN PLACE UNLESS YOU EXPERIENCE A QUALIFYING EVENT OR MAKE A CHANGE DURING OUR ANNUAL OPEN ENROLLMENT.
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 and with the proper documentation
OPEN ENROLLMENT
Open Enrollment occurs annually in June and allows you to change your coverages for an effective date of July 1 each year.
Have Questions?
You may contact the City Benefits Office via email to benefits@providenceri.gov or by calling (401) 680-5279.
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.
Please note that the City Benefits Office is open weekdays from 8:30 AM to 4:30 PM.
Core Benefits
MEDICAL BENEFITS
Provided by Blue Cross Blue Shield of Rhode Island
Local – (401) 459-5000
Out of state residents – 1-800-369-2227
Website: www.bcbsri.com
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
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 Prudential
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 Prudential at 1-800-778-3827. Please provide the contract number – 54180 when calling. If you are using a telecommunications device for the hearing impaired (TDD), please call 1-800-496-1214. Representatives are available to assist you Monday through Friday between 8:00 AM and 8:00 PM Eastern Time.
Voluntary Benefits
VISION BENEFITS
Provided by Davis Vision
Davis Vision Reimbursement Form
OPTIONAL LIFE INSURANCE
Available to Police, Fire, School and Non-union employees
Administered by Prudential
https://mybenefits.prudential.com
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.
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 Prudential at 1-800-778-3827. Please provide the contract number – 54180 when calling. If you are using a telecommunications device for the hearing impaired (TDD), please call 1-800-496-1214. Representatives are available to assist you Monday through Friday between 8:00 AM and 8:00 PM Eastern Time.
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 2020-2021 may be submitted to London Health Administrators until July 30, 2021. After July 30, 2021, your 2020-2021 FSA money will be forfeited.
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
