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What Telehealth Insurance Requirements Apply in Rhode Island?

Rhode Island plans cannot deny a medically necessary, clinically appropriate covered service solely because it was delivered by telemedicine; cost sharing and prior authorization cannot exceed the in-person terms. Rhode Island defines telemedicine practice under its professional licensing law, so a remote clinician should verify authority to treat a patient physically in the state.

What Is Telehealth Insurance?

Telehealth liability can cover claims arising from remote health care, such as a video visit or remote monitoring. If you provide care online, match the quote to your clinicians, services and patient locations; cyber and in-person risks need separate review. Read the national Virtual care and telehealth guide.

What Should You Watch for With Telehealth Insurance in Rhode Island?

  • Rhode Island Patient Location Determines the Rules

    Rhode Island defines telemedicine practice under its professional licensing law, so a remote clinician should verify authority to treat a patient physically in the state. Record where the patient is at each encounter and ask whether the policy covers services delivered under that state-specific rule. 2

  • Keep Telehealth Within Rhode Island Practice Rules

    Rhode Island plans cannot deny a medically necessary, clinically appropriate covered service solely because it was delivered by telemedicine; cost sharing and prior authorization cannot exceed the in-person terms. Ask the broker to confirm the professional-liability policy covers the modalities and services your clinicians use in {n}. 1

  • Confirm Rhode Island Plan Payment Conditions

    Rhode Island plans cannot deny a medically necessary, clinically appropriate covered service solely because it was delivered by telemedicine; cost sharing and prior authorization cannot exceed the in-person terms. Verify network, authorization, and covered-service conditions before relying on payment for remote encounters. 1,2

Which Telehealth Providers Have Rhode Island License Records?

No provider in our research documents both a state license record and this coverage line. This does not establish that providers are unlicensed. Check the regulator’s license lookup and confirm availability with a provider when requesting a quote.

Who Regulates Insurance in Rhode Island?

Rhode Island Department of Business Regulation, Insurance Division

The DBR Insurance Division provides an online public verification service for producers, adjusters, surplus-lines brokers, and other licensees, and accepts insurance complaints online. Contact the Division for help determining whether it has authority over a particular policy or dispute. 3,4,5

Surplus-Lines Tax and Stamping Office in Rhode Island

Reported tax rate. 4% of net taxable premium; 2018 filing guide excludes listed broker, carrier and inspection fees 6,7

Rhode Island’s 2024 return applies 4% to net taxable premium (gross premium less returned premium); its 2018 filing guide excludes broker, carrier, and inspection fees from the base. Confirm fee treatment with the Division of Taxation if your bill separates those charges, because no newer official fee-base guidance was located.

Questions to Ask Before You Buy Telehealth in Rhode Island

  1. Does our professional-liability policy cover the telehealth modalities we use with patients in Rhode Island?
  2. How should we document Rhode Island patient location, consent, and required in-person follow-up?
  3. Which Rhode Island plan rules or network terms affect reimbursement for these services?

Telehealth Insurance in Rhode Island: Frequently Asked Questions

Do clinicians need authorization to provide telehealth to patients in Rhode Island?

Yes. Rhode Island defines telemedicine practice under its professional licensing law, so a remote clinician should verify authority to treat a patient physically in the state. 2

Does Rhode Island require health plans to cover telehealth?

Usually, when the service is otherwise covered and meets the state’s applicable clinical and plan conditions. Rhode Island plans cannot deny a medically necessary, clinically appropriate covered service solely because it was delivered by telemedicine; cost sharing and prior authorization cannot exceed the in-person terms. 1

Sources for Telehealth Insurance in Rhode Island

  1. Rhode Island General Laws, Telemedicine Coverage Act. Rhode Island General Laws; § 27-81-4(b)-(e): coverage, cost sharing, prior authorization, technology. Accessed 2026-09-29.
  2. Rhode Island General Laws, Medical Practice. Rhode Island General Laws; § 5-37-16.2: practice of medicine by telemedicine. Accessed 2026-09-29.
  3. rhode-island insurance regulator. State insurance regulator; DBR Insurance Division overview links to complaint, license lookup, statutes, and regulations. Accessed 2026-09-28.
  4. DBR License Status Verification. State insurance regulator; Official page identifies online NAIC-partnered status checks for producers, adjusters, motor vehicle appraisers, surplus-lines brokers, and reinsurance intermediaries. Accessed 2026-09-28.
  5. DBR Insurance Consumers. State insurance regulator; Official consumer page explains the division's regulated insurance lines and online complaint route. Accessed 2026-09-28.
  6. 2025 T-71A Surplus Line Broker Return of Gross Premiums. Rhode Island Division of Taxation; 2025 return, p. 1, lines 1–4: net taxable premium is gross premium less returned premiums; 4% tax; filing due April 1, 2026. Accessed 2026-09-28.
  7. Guide to Tax Filings for Surplus Lines. Rhode Island Division of Taxation; 2018 Guide to tax filings, surplus-lines section: gross premium for tax purposes excludes carrier, broker, and inspection fees; no newer official fee-base instruction located as of 2026-09-28. Accessed 2026-09-28.
  8. Licenses. At-Bay; Current producer introduction and state table; At-Bay Insurance Services LLC; P&C and surplus-lines identifiers. Accessed 2026-09-21.
  9. Licenses and Carriers. Coalition; Licenses and Carriers, re-read 22 September 2026: Insurance Licenses table for Coalition Insurance Solutions, Inc., national producer number 18419475, with producer and surplus-lines numbers for all 50 states and DC including California 0L76155, Georgia 196479, Texas 2199630 and 2205589, Pennsylvania 815731 and 817452, Colorado 539028 and Wisconsin 3000108852. Insurance Carriers table naming, with NAIC numbers, Allianz Underwriters Insurance Company 36420, Arch Specialty Insurance Company 21199, Ascot Specialty Insurance Company 45055, Ascot Insurance Company 23752, Aspen Specialty Insurance Company 10717, Chaucer Insurance Company DAC, Coalition Insurance Company 29530, Fireman's Fund Indemnity Corporation 11380, Fortegra Specialty Insurance Company 16823, Lloyd's of London, MSIG Specialty Insurance USA Inc. 34886, MS Transverse Specialty Insurance Company 41807, Steadfast Insurance Company 26387, Vantage Risk Specialty Insurance Company 16275 and Zurich American Insurance Company 16535. Accessed 2026-09-22.
  10. Insurance Producer Licenses. Corgi Insurance; Current complete Insurance Producer Licenses table for Corgi Insurance Services, Inc.; 50 rows covering 49 states and DC (DC 3003091619); no New Mexico row; no NPN or as-of date shown. Accessed 2026-09-28.
  11. About Hiscox US Insurance. Hiscox; Hiscox Insurance Company Inc. NAIC 10200 as Chicago, IL domiciled insurer admitted or licensed in all 50 states and D.C.; Hiscox Inc. as general agent and Lloyd’s coverholder for Syndicates 33 and 3624; surplus-lines placements through licensed surplus-lines brokers; A.M. Best rating statement. Accessed 2026-09-16.
  12. Licenses. ERGO NEXT Insurance; Current entity-by-state license table reopened 28 September 2026: 50 rows under Next First Insurance Agency, Inc., including Washington, DC; New York rows instead list Next Insurance Services PC-1423070 and AP Intego BR-1198885. Accessed 2026-09-28.
  13. Licenses. Vouch; Effective 16 January 2025: Vouch Specialty Insurance Services, LLC, NPN 19926463; P&C table (50 states and DC); surplus-lines table includes Idaho 870820; footnote says Georgia and Idaho do not issue agency-level surplus-lines licenses; Idaho retained as producer-only due to conflict. Accessed 2026-09-15.

Updated .

This guide is informational and does not determine whether a policy is available or meets your needs. Editorial policy. To suggest a correction, email The General Average with a supporting source.

Telehealth Insurance Guides for Other States

Other coverage in Rhode IslandEvery coverage guide for Rhode Island, plus the regulator and surplus-lines details.

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