Skilled nursing and residential care facilities in Rhode Island
PlanOptica tracks 8 health and welfare plans sponsored by 7 skilled nursing and residential care facilities in Rhode Island, covering 1,887 participants and $14M in reported insurance premiums (plan year 2024 to 2025 filings). The median plan has 246 participants, and the most common size is 100 to 249 participants (50% of plans). Fully insured coverage is the norm (88% of plans); only 13% are self-funded or mixed.
Blue Cross Blue Shield of Rhode Island dominates premium with a 55% share, followed by Unitedhealthcare Insurance Company at 38%. Gallagher Benefit Services of Mass is the broker of record on 4 plans, more than any other firm, ahead of Hilb Group of New England (2). 88% of plans report broker compensation on Schedule A; the median brokered plan pays $24K a year, about 1.7% of premium. Providence, Pawtucket and North Kingstown have the most plans.
Funding mix
- Fully insured7 · 88%
- Self-funded1 · 13%
Plan size (participants)
- Under 1001 · 13%
- 100 to 2494 · 50%
- 250 to 4993 · 38%
- 500 to 9990 · 0%
- 1,000 or more0 · 0%
Median plan: 246 participants. Median broker comp: 1.7% of premium across 7 brokered plans.
Top carriers, skilled nursing, Rhode Island
- 1Blue Cross Blue Shield of Rhode Island$7.6M5 plans · 55.1%
- 2Unitedhealthcare Insurance Company$5.3M1 plans · 38.5%
- 3Delta Dental of Rhode Island$675K6 plans · 4.9%
- 4Hartford Life and Accident$118K1 plans · 0.9%
- 5Vision Service Plan$32K2 plans · 0.2%
- 6United of Omaha Life Insurance Company$28K1 plans · 0.2%
- 7Boston Mutual Life Insurance Company$19K1 plans · 0.1%
- 8The Lincoln National Life Insurance Company$11K1 plans · 0.1%
- 9Equitable Financial Life Insurance Company of America$4K1 plans · 0.0%
Top brokers, skilled nursing, Rhode Island
- 1Gallagher Benefit Services of Mass4 plans$44K comp · 57.1%
- 2Hilb Group of New England2 plans$122K comp · 28.6%
- 3NFP Corporate Services NY LLC2 plans$27K comp · 28.6%
- 4Ajg Benefit Services2 plans$8K comp · 28.6%
- 5Starkweather & Shepley, Inc1 plans$19K comp · 14.3%
- 6The Schuster Group1 plans$6K comp · 14.3%
- 7James R Nelligan & Associates LLC1 plans$668 comp · 14.3%
- 8David Henry1 plans$233 comp · 14.3%
- 9Employee Navigator, LLC1 plans$4 comp · 14.3%
Largest skilled nursing and residential care facilities in Rhode Island
| Employer / plan | City | Funding | Participants | Premium | Primary carrier |
|---|---|---|---|---|---|
| Health Concepts, Ltd Health Concepts Ltd Welfare PlanAll plans | Pawtucket | Fully insured | 393 | $5.6M | Unitedhealthcare Insurance Company |
| Groden Center, Inc Groden Center Group Life Insurance, Long Term Disability and VisionAll plans | Providence | Fully insured | 350 | $142K | Hartford Life and Accident |
| Perspectives Corporation Perspectives Corporation Welfare Wrap PlanAll plans | North Kingstown | Self-funded | 248 | - | - |
| Saint Elizabeth Community & Affiliates Saint Elizabeth Community & Affiliates Health & Welfare PlanAll plans | East Greenwich | Fully insured | 244 | $1.8M | Blue Cross of California |
| Refocus, Inc Refocus, Inc. Welfare Wrap PlanAll plans | Providence | Fully insured | 156 | $1.3M | Blue Cross of California |
| Aldersbridge Communities Aldersbridge Communities Employee Benefit PlanAll plans | East Providence | Fully insured | 106 | $1.0M | Blue Cross of California |
| The Cove Center, Inc The Cove Center, Inc. Health Benefit PlanAll plans | Providence | Fully insured | 88 | $1.1M | Blue Cross of California |
Showing 7 of 7 employers. Filter the full list by size, funding, carrier and broker.
Plans by city in Rhode Island
Frequently asked questions
How many skilled nursing and residential care facilities in Rhode Island offer an ERISA health plan?
8 health and welfare plans from 7 skilled nursing and residential care facilities in Rhode Island appear in plan year 2024 to 2025 filings on Form 5500, covering 1,887 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 skilled nursing and residential care facilities in Rhode Island?
By Schedule A premium: Blue Cross Blue Shield of Rhode Island (55% of premium, 5 plans), Unitedhealthcare Insurance Company (38% of premium, 1 plan) and Delta Dental of Rhode Island (5% of premium, 6 plans).
Which benefits brokers work with skilled nursing and residential care facilities in Rhode Island?
By number of client plans: Gallagher Benefit Services of Mass (4 plans), Hilb Group of New England (2 plans) and NFP Corporate Services NY LLC (2 plans). 88% of plans report a broker.
How much do brokers earn on skilled nursing and residential care facilities health plans in Rhode Island?
The median brokered plan reports $24K a year in broker commissions and fees, or 1.7% of premium. Figures come from Schedule A, Part I.
Are skilled nursing and residential care facilities health plans in Rhode Island self-funded or fully insured?
Fully insured 88% and self-funded 13%. Self-funded and mixed plans together make up 13%.
Where does this data come from?
U.S. Department of Labor Form 5500 filings and their Schedule A insurance attachments, latest filing per plan. Nursing and residential care facilities (Form 5500 code 623000, which also covers assisted living), plus healthcare employers whose name says nursing or skilled care.
Prospect skilled nursing and residential care facilities in Rhode Island
Open the welfare search with Rhode Island and this sector prefilled. Narrow by participants, funding type, carrier, broker and broker compensation, then save the view or export it.
Skilled nursing 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 2024-2025). Nursing and residential care facilities (Form 5500 code 623000, which also covers assisted living), plus healthcare employers whose name says nursing or skilled care. Location is the sponsor's filing address in Rhode Island.