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H 7536Health Insurance

Insurance - Accident and Sickness Insurance Policies

Starting in 2027, health insurance plans must pay pharmacists for providing medical services like immunizations and medication reviews.

Held for study
Population
Affected
72
Introduced Feb 6, 2026Committee House Health & Human Services

Plain-English Summary

This legislation mandates that starting January 1, 2027, health insurance companies and the state Medicaid program in Rhode Island must cover specific medical services provided by pharmacists. These services include patient evaluations, medication reviews, immunizations, and ordering lab tests, provided the pharmacist is qualified to perform them and the service would be covered if done by a doctor or nurse. Insurance plans are required to include pharmacists in their medical provider networks. This law is temporary and is scheduled to expire (sunset) on January 1, 2031, unless the General Assembly votes to extend it.

For younger readers

Imagine you need a shot or need someone to check if your medicine is working right. Usually, you go to a doctor for that. This new rule says that starting in a few years, you can go to a pharmacist (the person at the drug store) for these things instead. The insurance companies that pay for your doctor visits will have to pay the pharmacist too, just like they pay the doctor. This makes it easier to find someone to help you stay healthy. This rule will last for four years unless the government decides to keep it longer.

Who & Where It Applies

Impacted groups
PharmacistsHealth Insurance CompaniesMedicaid RecipientsPatientsPhysicians
Impacted communities
All

Constitutional & Fiscal Check

None Likely

Estimated cost
Amount unknown
Estimated revenue
None

Bill Analysis

Both viewpoints
For Progressives
  • Expands access to healthcare services for low-income and underserved populations by mandating Medicaid coverage for pharmacist services, making care more accessible in communities that may lack sufficient doctor's offices.
  • Strengthens the healthcare workforce by formally recognizing and compensating pharmacists as medical providers, which helps integrate them into the broader care team and utilize their skills to support public health.
  • Potentially reduces health disparities by allowing patients to receive essential services like immunizations and medication management at local pharmacies, which often have better hours and locations than clinics.
  • The inclusion of a sunset clause (expiration date) creates instability for the social safety net, potentially disrupting care for vulnerable patients if the program is not renewed in 2031.
  • May inadvertently funnel more public and private healthcare dollars into large corporate pharmacy chains rather than supporting non-profit community health centers or public clinics.
  • Lacks explicit language preventing insurance companies from raising premiums or deductibles to offset the costs of these new provider reimbursements, which could financially burden working-class families.
For Conservatives
  • Encourages free-market competition by breaking the physician monopoly on certain routine medical services, potentially driving down costs and increasing efficiency in the healthcare market.
  • Leverages existing private-sector infrastructure (pharmacies) to deliver healthcare solutions, avoiding the need for government to build new facilities or hire more state employees.
  • Empowers consumer choice by giving patients the freedom to choose a pharmacist for routine care rather than being forced into a doctor's office by insurance network restrictions.
  • Imposes heavy-handed government mandates on private insurance companies, dictating who they must contract with and what services they must cover, which violates principles of corporate freedom.
  • Expands the scope and cost of the state Medicaid program, likely resulting in increased taxpayer burdens to fund reimbursements for a new class of providers.
  • Interferes with the private right of contract by forcing insurers to include pharmacists in their medical networks regardless of the insurer's business strategy or network needs.

Votes

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Full Bill Text

Changes to existing Rhode Island law · 149 additions

SECTION 1. Chapter 27-18 of the General Laws entitled "Accident and Sickness Insurance Policies" is hereby amended by adding thereto the following section: 27-18-96. Coverage for pharmacists' services.

(a) Every group health insurance contract, or every group hospital or medical expense insurance policy, plan, or group policy delivered, issued for delivery, or renewed in this state, by any health insurance carrier, on or after January 1, 2027, shall provide coverage for the services within the lawful scope of the "practice of pharmacy" defined in § 5-19.1-2, and pharmacists' services provided under a "collaborative practice agreement" defined in § 5-19.2-2, if the plan would have provided coverage if the service had been performed by a physician, advanced practice nurse, or physician assistant. No nonprofit medical service corporation may require supervision, signature, or referral by any other healthcare provider as a condition of reimbursement to a pharmacist; provided that, no nonprofit medical service corporation may be required to pay for duplicative services actually rendered by both a pharmacist and any other healthcare provider. The following services shall qualify as being eligible for payment and reimbursement to a pharmacist, unless paid by another mechanism, include:

(1) Evaluation and management of a patient, which requires a medically appropriate history and/or examination and medical decision making;

(2) Medication therapy management review;

(3) Immunization education and administration;

(4) Administration of medications; and

(5) Ordering and evaluation of clinical laboratory tests.

(b) The health plan shall include an adequate number of pharmacists in its network of participating medical providers. The participation of pharmacies in the plan network's drug benefit shall not satisfy the requirement that plans include pharmacists in their networks of participating medical providers.

(c) The healthcare benefits outlined in this section apply only to services delivered within the health insurer's provider network; provided that, all health insurers shall be required to provide coverage for those benefits required by the provisions of this section outside of the health insurer's provider network where it can be established that the required services are not available from a provider in the health insurer's network.

(d) The provisions of this section shall sunset and expire on January 1, 2031, unless extended by the general assembly.

SECTION 2. Chapter 27-19 of the General Laws entitled "Nonprofit Hospital Service Corporations" is hereby amended by adding thereto the following section: 27-19-88. Coverage for pharmacists' services.

(a) Every group health insurance contract, or every group hospital or medical expense insurance policy, plan, or group policy delivered, issued for delivery, or renewed in this state, by any health insurance carrier, on or after January 1, 2027, shall provide coverage for the services within the lawful scope of the "practice of pharmacy" defined in § 5-19.1-2, and pharmacists' services provided under a "collaborative practice agreement" defined in § 5-19.2-2, if the plan would have provided coverage if the service had been performed by a physician, advanced practice nurse, or physician assistant. No nonprofit medical service corporation may require supervision, signature, or referral by any other healthcare provider as a condition of reimbursement to a pharmacist; provided that, no nonprofit medical service corporation may be required to pay for duplicative services actually rendered by both a pharmacist and any other healthcare provider. The following services shall qualify as being eligible for payment and reimbursement to a pharmacist, unless paid by another mechanism, include:

(1) Evaluation and management of a patient, which requires a medically appropriate history and/or examination and medical decision making;

(2) Medication therapy management review;

(3) Immunization education and administration;

(4) Administration of medications; and

(5) Ordering and evaluation of clinical laboratory tests.

(b) The health plan shall include an adequate number of pharmacists in its network of participating medical providers. The participation of pharmacies in the plan network's drug benefit shall not satisfy the requirement that plans include pharmacists in their networks of participating medical providers.

(c) The healthcare benefits outlined in this section apply only to services delivered within the health insurer's provider network; provided that, all health insurers shall be required to provide coverage for those benefits required by the provisions of this section outside of the health insurer's provider network where it can be established that the required services are not available from a provider in the health insurer's network.

(d) The provisions of this section shall sunset and expire on January 1, 2031, unless extended by the general assembly.

SECTION 3. Chapter 27-20 of the General Laws entitled "Nonprofit Medical Service Corporations" is hereby amended by adding thereto the following section: 27-20-84. Coverage for pharmacists' services.

(a) Every group health insurance contract, or every group hospital or medical expense insurance policy, plan, or group policy delivered, issued for delivery, or renewed in this state, by any health insurance carrier, on or after January 1, 2027, shall provide coverage for the services within the lawful scope of the "practice of pharmacy" defined in § 5-19.1-2, and pharmacists' services provided under a "collaborative practice agreement" defined in § 5-19.2-2, if the plan would have provided coverage if the service had been performed by a physician, advanced practice nurse, or physician assistant. No nonprofit medical service corporation may require supervision, signature, or referral by any other healthcare provider as a condition of reimbursement to a pharmacist; provided that, no nonprofit medical service corporation may be required to pay for duplicative services actually rendered by both a pharmacist and any other healthcare provider. The following services shall qualify as being eligible for payment and reimbursement to a pharmacist, unless paid by another mechanism, include:

(1) Evaluation and management of a patient, which requires a medically appropriate history and/or examination and medical decision making;

(2) Medication therapy management review;

(3) Immunization education and administration;

(4) Administration of medications; and

(5) Ordering and evaluation of clinical laboratory tests.

(b) The health plan shall include an adequate number of pharmacists in its network of participating medical providers. The participation of pharmacies in the plan network's drug benefit shall not satisfy the requirement that plans include pharmacists in their networks of participating medical providers.

(c) The healthcare benefits outlined in this section apply only to services delivered within the health insurer's provider network; provided that, all health insurers shall be required to provide coverage for those benefits required by the provisions of this section outside of the health insurer's provider network where it can be established that the required services are not available from a provider in the health insurer's network.

(d) The provisions of this section shall sunset and expire on January 1, 2031, unless extended by the general assembly.

SECTION 4. Chapter 27-41 of the General Laws entitled "Health Maintenance Organizations" is hereby amended by adding thereto the following section: 27-41-101. Coverage for pharmacists' services.

(a) Every group health insurance contract, or every group hospital or medical expense insurance policy, plan, or group policy delivered, issued for delivery, or renewed in this state, by any health insurance carrier, on or after January 1, 2027, shall provide coverage for the services within the lawful scope of the "practice of pharmacy" defined in § 5-19.1-2, and pharmacists' services provided under a "collaborative practice agreement" defined in § 5-19.2-2, if the plan would have provided coverage if the service had been performed by a physician, advanced practice nurse, or physician assistant. No nonprofit medical service corporation may require supervision, signature, or referral by any other healthcare provider as a condition of reimbursement to a pharmacist; provided that, no nonprofit medical service corporation may be required to pay for duplicative services actually rendered by both a pharmacist and any other healthcare provider. The following services shall qualify as being eligible for payment and reimbursement to a pharmacist, unless paid by another mechanism, include:

(1) Evaluation and management of a patient, which requires a medically appropriate history and/or examination and medical decision making;

(2) Medication therapy management review;

(3) Immunization education and administration;

(4) Administration of medications; and

(5) Ordering and evaluation of clinical laboratory tests.

(b) The health plan shall include an adequate number of pharmacists in its network of participating medical providers. The participation of pharmacies in the plan network's drug benefit shall not satisfy the requirement that plans include pharmacists in their networks of participating medical providers.

(c) The healthcare benefits outlined in this section apply only to services delivered within the health insurer's provider network; provided that, all health insurers shall be required to provide coverage for those benefits required by the provisions of this section outside of the health insurer's provider network where it can be established that the required services are not available from a provider in the health insurer's network.

(d) The provisions of this section shall sunset and expire on January 1, 2031, unless extended by the general assembly.

SECTION 5. Chapter 40-8 of the General Laws entitled "Medical Assistance" is hereby amended by adding thereto the following section: 40-8-33. Coverage for pharmacists' services.

(a) The executive office of health and human services is directed and authorized to establish coverage for the services within the lawful scope of the "practice of pharmacy" defined in § 5-19.1- 2, and pharmacists' services provided under a "collaborative practice agreement" defined in § 5- 19.2-2, if the plan would have provided coverage if the service had been performed by a physician, advanced practice nurse, or physician assistant. The following services would qualify as being eligible for payment and reimbursement to a pharmacist, unless paid by another mechanism, include:

(1) Evaluation and management of a patient, which requires a medically appropriate history and/or examination and medical decision making;

(2) Medication therapy management review;

(3) Immunization education and administration;

(4) Administration of medications; and

(5) Ordering and evaluation of clinical laboratory tests.

(b) The health plan shall include pharmacists in its network of participating medical providers. The participation of pharmacies in the plan network's drug benefit shall not satisfy the requirement that plans include pharmacists in their networks of participating medical providers.

(c) The healthcare benefits outlined in this section apply only to services delivered within the health insurer's provider network; provided that, all health insurers shall be required to provide coverage for those benefits required by the provisions of this section outside of the health insurer's provider network where it can be established that the required services are not available from a provider in the health insurer's network.

(d) The executive office of health and department of human services shall apply to the United States department of health and human services for any amendment to the state Medicaid plan or for any Medicaid waiver as necessary to implement this section. The executive office of health and human services shall submit the Medicaid state plan amendment not later than September 1, 2026.

(e) The provisions of this section shall sunset and expire on January 1, 2031, unless extended by the general assembly.

SECTION 6. This act shall take effect on January 1, 2027, and unless extended by the general assembly, shall expire on January 1, 2031.