Your Options
There is no single "right" plan for every Rhode Island employer. Below are the realistic funding paths we help employers evaluate — explained plainly, with eligibility ranges and honest trade-offs. Suitability and final terms are always confirmed at quote time by underwriting.
BCBSRI + Provider Fee Alliance
Rhode Island's dominant, broadly recognized fully insured carrier, paired with a Provider Fee Alliance arrangement as part of Apex's fully-insured strategy for Rhode Island employers.
Triad
A small-group program built on the CIGNA national PPO network, structured like a fully insured plan, with a bundled claims-steerage program included at no additional member cost.
Blue Funding
A fixed monthly funded amount with stop-loss protection, and a year-end settlement that can return surplus if claims run under the funded amount.
InCap Captive
A health insurance pool where employers become owner-participants, with bundled services and potential profit distributions when the pool performs well. A fit for larger Rhode Island employers who've outgrown Blue Funding or Triad eligibility.
UnitedHealthcare
A national carrier some Rhode Island employers already have direct relationships with. We can quote and compare it alongside the options above.
Not sure which fits?
That's exactly what a review is for. A local advisor can walk through your group size, current carrier, and renewal timeline and map it to the realistic options above.
Important: None of the options above are Association Health Plans, pooled-risk programs, or insurance products in themselves — they are funding and network structures. Eligibility ranges, underwriting rules, and terms can change and must be confirmed at quote time.