Medicare Supplement Plans in Rhode Island

Suppose you just started to receive your Medicare Part A and Medicare Part B or Original Medicare insurance benefits. In that case, you may have noticed that there is a lot that you are responsible for paying. However, this does not have to concern you because you are entitled to purchase a Medicare Supplement insurance plan in Rhode Island if you have Medicare Part B and are at least 65 years of age.

Medicare Supplement Plan options in Rhode Island

The top five Medigap insurance policies are Plans F, G, N, and the high-deductible F and G plans. Following are brief descriptions of each. As you compare the plan options, jot down any questions you have for our Policy Guides.

Medicare Supplement Plan G

  • Medicare Supplement Plan G has a Lower monthly premium than F
  • It covers almost all the same benefits as F
  • It does not cover Medicare Part B deductible.

Medicare Supplement Plan N

  • Lower monthly premium than G
  • Medicare Supplement Plan N does not cover copayments, which are $20 for office visits and up to $50 for emergency room visits

High-Deductible Medigap Plan G

  • High Deductible Plan G has a Lower premium than the original Plan G
  • Same benefits as G
  • Requires you to satisfy the annual deductible amount before the plan pays Medicare-covered medical expenses
  • The deductible due in 2023 is $2,700

Medicare Supplement Plan F

  • All-inclusive plan
  • Includes Part A deductible, Part B deductible, foreign travel emergency
  • Not an option for Medicare beneficiaries whose eligibility effective date was on or after January 1, 2020

Medicare Supplement Plan F also covers Part B excess charges, but these charges are not allowed in Rhode Island, so this benefit is not applicable.

Top rated Medicare Supplement Companies in Rhode Island

Following are the highest-rated and well-established insurers for Medigap in Rhode Island according to various rating agencies:

  • Cigna: Moody’s financial strength A1; BBB A+
  • Globe Life: Standard & Poor’s financial strength AA-; BBB A+
  • United American: A.M. Best financial strength A+; Medigap insurer since the 1960s

Medicare Supplement Insurance Cost in Rhode Island

Medicare Supplement Plans in Rhode Island cost an average of $129.00 per month, but rates can vary depending on the Insurer.

Plan typePremium Range
Plan F$180.00 – $300.00
Plan G $117.00 – $220.00
Plan N$90.00 – $200.00
Premiums are based on Medicare Part B start date and or Medical underwriting.

When Can I Apply for a Medigap Plan?

Submit your application for Medicare Supplement insurance plans during the Medigap Open Enrollment Period to take advantage of:

  • More plan options
  • Better prices
  • Your health conditions do not impact pricing

Open enrollment for Medigap differs from the standard enrollment periods for Medicare Advantage or the Medicare Part D plan (prescription drug coverage). The Medigap Open Enrollment is based on when you turn 65 and enroll in Medicare Part B.

  • Starts the month of your 65th birthday
  • Requires you first to be enrolled in Part B
  • Ends six months from the start date

If you miss this opportunity, your application may go through medical underwriting, which means a Medigap policy may not be offered to you or at a high cost based on your health conditions.

If you have a guaranteed issue right, the insurer cannot refuse to sell you a Medigap policy or refuse to cover your pre-existing conditions. There are several situations when guaranteed issue rights apply. Our Policy Guides can help you determine if this applies in your case.

Rhode Island Medicare Resources

Ready To Learn More?

My Medigap Plans is a rapidly growing resource for Medicare beneficiaries. We specialize in educating consumers on their options and guiding them through the plan selection process. We work closely with some of the nation’s top-rated carriers, such as Aetna, Cigna, and Mutual of Omaha. Compare our list of the 10 Best Medicare Supplement Insurance Companies or take a deeper look at the plans by reviewing our Medicare Supplement Plans Comparison Chart. Learn more about Medicare Part D Prescription Drug plans, or request a Medicare Supplement Plan Quote.

Mark Prip

For more than two decades, Mark Prip at My Medigap Plans has been an authority figure in the insurance industry and continues to uphold a mission to provide customers with comprehensive information about Medicare, life, and dental coverage. His expertise is unmatched - having helped thousands of Medicare beneficiaries personally choose suitable healthcare plans for themselves - making him stand out above other competitors.