Dental Coverage (2019)

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 Comparison

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

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

• Holds a non-seasonal position
• Scheduled to work at least 20 hours per week
• Not on leave without pay (LWOP)

The following dependents are also eligible for enrollment:

• Spouse
• Domestic partner
  • If your domestic partner does not meet the definition of a dependent pursuant to Internal Revenue Code Section 152 (as modified by Section 105(b)), federal law requires that the fair market value of any State health coverage extended to your domestic partner must be imputed to you as income on your paycheck and must be reflected on the W-2 issued to you by the State of Rhode Island. For example, if you were a 26 pay-period employee covering your domestic partner under the State medical, dental and vision plans, your imputed income would be around $200 per pay period and be deducted from each paycheck.
  • If you get married, or if your domestic partnership ends, 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 co-shares paid and/or imputed income tax withheld. The Office of Employee Benefits will not coordinate such refunds if it is not notified within 31 days of the date of the change.
• 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:

• Within 31 days of hiring or a qualifying status change
• Open enrollment

Enrollment process

Step 1: Do your research!

• Review the detailed benefits information on the "Coverage Information" tab
• Talk to ALEX and watch informative benefits videos
• Read the State of Rhode Island Benefits Guide
• Review your coverage and expenses from 2018:
  • www.deltadentalri.com

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.

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:

• Visit www.deltadentalri.com
• Call 1-800-843-3582