Rhode Island Group Health Insurance & Employee Benefit Plans

Welcome to Taylor Online Benefits! Since we are a leading provider of employee health insurance coverage and group benefits for the state of Rhode Island. Our insurance experts have the skills and in-depth knowledge about health insurance to help you compare plans and provide competitive and affordable insurance options.

We proudly offer health benefits, and retirement plans custom-tailored to your business’s unique needs.

Taylor Online Benefits is an independent group insurance agent – meaning that we are not limited by the choices available from any particular plan type or insurance carrier. By partnering with us, you’ll have access to a wider net of healthcare and benefits options than if you were to settle for a single provider.

For more information about the health coverage benefits that local employers must offer under regulations established by the Affordable Care Act, see this document provided by the Rhode Island Department of Health.

Give us a call today at 800-903-6066 to discuss the Rhode Island healthcare and benefits plan options available to you! Taylor Online Benefits offers free estimates through our online request form – which you’ll find on the right side of this page. We provide these estimates with no obligation to you.

Rhode Island Large Group Health Insurance Plans

One significant change to health insurance contained in the ACA is that all health coverage must include ten minimum essential coverage benefits to comply with the law.

These health coverage services include:

1. Ambulatory patient services (outpatient care)
2. Emergency services
3. Hospitalization, including surgical and medical
4. Maternity and newborn care, including delivery
5. Mental health and substance use disorder services
6. Prescription drugs
7. Rehabilitative services and devices
8. Laboratory services
9. Preventative and wellness services, including chronic disease management
10. Pediatric services, including dental and vision care for children under the age of 19

Employer-sponsored insurance must also meet affordability standards, including limits on premium expenses and requiring the plan to cover a set level of potential subscriber costs. Some states have added other provisions to the list of mandated benefits. In Rhode Island, insurers must offer these additional services:

1. Clinical trials for new cancer therapies
2. Diabetes care management
3. Durable medical equipment (prosthetics and orthotics)
4. Hearing aids
5. Infertility treatment (this requirement is limited to any nonprofit plan except those providing supplemental coverage to governmental programs)
6. Lyme disease screening and treatment
7. Reconstructive surgery following mastectomy
8. Off-label prescription drugs for cancer treatment
9. Wigs

Rhode Island Small Business Health Insurance Plans

While small businesses (with fewer than fifty workers) don’t have an obligation to offer health insurance to their eligible employees, they may want to. Health insurance is a top wish-list perk for full-time employees and recruits. The U.S. Bureau of Labor Statistics estimates that almost half of small businesses offer insurance to their workforce, but enrollment is low. That might be because the workers get health coverage from another source or find the cost too high.

The ACA has excellent resources and support for small businesses that want to offer Rhode Island health insurance. In addition, there are tax credits for some companies to reduce the administrative burden. Your Taylor Benefits Insurance consultant can help you navigate the options.

Rhode Island Employee Benefits Plans and Employee Benefits Packages

Rhode Island requires employers with an average of eighteen or more workers to offer paid sick leave. Employees earn one hour of sick time for every 35 hours they work. Smaller companies must also provide sick leave but do not have to pay workers for the time off. In either case, employees can accrue up to forty hours per year. In addition, Rhode Island offers paid family health insurance, referred to as temporary caregiver insurance, for four weeks to care for a new child or a seriously ill family member.

Aside from the partially paid temporary caregiver leave, Rhode Island’s Parental and Family Medical Leave Act requires companies with fifty or more workers to allow up to thirteen weeks of unpaid but job-protected leave.

Call 800-903-6066 to get more information about the Rhode Island health insurance marketplace and a free consultation.

Rhode Island Group Health Insurance & The Affordable Care Act