RI S2887

Requires dental insurers to allow patients to assign benefits directly to any dental care provider, regardless of whether the provider is in-network or out-of-network

Mandates that reimbursement to non-participating dentists must equal the highest amount paid to any participating provider for the same service, based on the insurer's fee schedules

Prohibits insurers from using tiered reimbursement structures, geographic modifiers, or network classifications to reduce payments to non-participating providers

Bars insurers from creating new provider categories or reimbursement tiers specifically to circumvent the payment requirements

Applies to accident and sickness insurance policies, nonprofit hospital service corporations, and health maintenance organizations, with an effective date of January 1, 2027