Behavioral and mental health providers in Rhode Island
PlanOptica tracks 10 health and welfare plans sponsored by 9 behavioral and mental health providers in Rhode Island, covering 2,651 participants and $7.4M in reported insurance premiums (plan year 2025 filings). The median plan has 208 participants, and the most common size is 100 to 249 participants (60% of plans). Most of these plans are self-funded or mixed (60%), so stop-loss and TPA relationships matter as much as the medical carrier.
Blue Cross Blue Shield of Rhode Island leads by premium with a 47% share, followed by Harvard Pilgrim Health Care of NE Inc at 20%. Pgia, Inc is the broker of record on 4 plans, more than any other firm, ahead of Provider Insurance Group (4). 90% of plans report broker compensation on Schedule A; the median brokered plan pays $18K a year, about 3.1% of premium. Providence, Cranston and Warwick have the most plans.
Funding mix
- Mixed5 · 50%
- Fully insured4 · 40%
- Self-funded1 · 10%
Plan size (participants)
- Under 1000 · 0%
- 100 to 2496 · 60%
- 250 to 4993 · 30%
- 500 to 9991 · 10%
- 1,000 or more0 · 0%
Median plan: 208 participants. Median broker comp: 3.1% of premium across 9 brokered plans.
Top carriers, behavioral health, Rhode Island
- 1Blue Cross Blue Shield of Rhode Island$3.5M2 plans · 46.8%
- 2Harvard Pilgrim Health Care of NE Inc$1.5M1 plans · 19.6%
- 3The Lincoln National Life Insurance Company$1.4M5 plans · 18.7%
- 4Delta Dental of Rhode Island$738K5 plans · 9.9%
- 5The Guardian Life Insurance Company of America$282K2 plans · 3.8%
- 6Vision Service Plan$58K1 plans · 0.8%
- 7Reliance Standard Life Insurance Company$27K1 plans · 0.4%
- 8Eyemed Vision Care$8K1 plans · 0.1%
Top brokers, behavioral health, Rhode Island
- 1Pgia, Inc4 plans$71K comp · 44.4%
- 2Provider Insurance Group4 plans$16K comp · 44.4%
- 3Hilb Group of New England1 plans$50K comp · 11.1%
- 4John-Robert-Pettengill1 plans$24K comp · 11.1%
- 5Lockton Companies, LLC1 plans$19K comp · 11.1%
- 6Marsh & McLennan Agency, LLC1 plans$10K comp · 11.1%
- 7Usi Insurance Services LLC1 plans$7K comp · 11.1%
- 80009K8931 plans$7K comp · 11.1%
- 9Digital Insurance Inc1 plans$5K comp · 11.1%
- 10Brown & Brown Insurance Svcs1 plans$2K comp · 11.1%
Largest behavioral and mental health providers in Rhode Island
| Employer / plan | City | Funding | Participants | Premium | Primary carrier |
|---|---|---|---|---|---|
| Northeast Behavioral Associates Northeast Behavioral Associates (Northeast Family Services) Benefit PlanAll plans | Warwick | Fully insured | 509 | $2.0M | Blue Cross of California |
| The Providence Community Health Centers, Inc Providence Community Health Centers, Inc. Employee Benefit PlanAll plans | Providence | Mixed | 484 | $278K | The Guardian Life Insurance Company of America |
| Community Care Alliance Community Care AllianceAll plans | Woonsocket | Mixed | 404 | $615K | The Lincoln National Life Insurance Company |
| Thrive Behavioral Health, Inc Thrive Behavorial Benefits Health PlanAll plans | Middleton | Mixed | 301 | $580K | The Lincoln National Life Insurance Company |
| Accesspoint Ri Accesspoint Ri Welfare Wrap PlanAll plans | Cranston | Fully insured | 223 | $1.5M | Harvard Pilgrim Health Care |
| Codac, Inc Codac, Inc. Retirement PlanAll plans | Providence | Self-funded | 192 | - | - |
| Northwest Community Health Care Northwest Community Health Care Wrap Benefit PlanAll plans | Pascoag | Mixed | 142 | $139K | Delta Dental of California |
| YMCA of Pawtucket, Inc YMCA of Pawtucket, Inc. Life and Disability PlanAll plans | Pawtucket | Fully insured | 136 | $27K | Reliance Standard Life Insurance Company |
| Newport County Community Mental Health Ctr., Inc Newport County Community Mental Health Center, Inc. Welfare PlanAll plans | Middletown | Mixed | 114 | $322K | The Lincoln National Life Insurance Company |
Showing 9 of 9 employers. Filter the full list by size, funding, carrier and broker.
Plans by city in Rhode Island
Frequently asked questions
How many behavioral and mental health providers in Rhode Island offer an ERISA health plan?
10 health and welfare plans from 9 behavioral and mental health providers in Rhode Island appear in plan year 2025 filings on Form 5500, covering 2,651 participants. Plans with fewer than 100 participants that are fully insured do not have to file, so small practices are under-counted.
Which insurance carriers cover the most behavioral and mental health providers in Rhode Island?
By Schedule A premium: Blue Cross Blue Shield of Rhode Island (47% of premium, 2 plans), Harvard Pilgrim Health Care of NE Inc (20% of premium, 1 plan) and The Lincoln National Life Insurance Company (19% of premium, 5 plans).
Which benefits brokers work with behavioral and mental health providers in Rhode Island?
By number of client plans: Pgia, Inc (4 plans), Provider Insurance Group (4 plans) and Hilb Group of New England (1 plan). 90% of plans report a broker.
How much do brokers earn on behavioral and mental health providers health plans in Rhode Island?
The median brokered plan reports $18K a year in broker commissions and fees, or 3.1% of premium. Figures come from Schedule A, Part I.
Are behavioral and mental health providers health plans in Rhode Island self-funded or fully insured?
Mixed 50%, fully insured 40% and self-funded 10%. Self-funded and mixed plans together make up 60%.
Where does this data come from?
U.S. Department of Labor Form 5500 filings and their Schedule A insurance attachments, latest filing per plan. Psychiatrists (NAICS 621112), mental health practitioners (621330), outpatient mental health and substance abuse centers (621420), plus healthcare employers whose name says behavioral health, mental health or psychiatry.
Prospect behavioral and mental health providers in Rhode Island
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Behavioral health in nearby states
Other healthcare specialties in Rhode Island
Source: U.S. Department of Labor Form 5500 and Schedule A, latest filing per plan (plan years 2025). Psychiatrists (NAICS 621112), mental health practitioners (621330), outpatient mental health and substance abuse centers (621420), plus healthcare employers whose name says behavioral health, mental health or psychiatry. Location is the sponsor's filing address in Rhode Island.