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Best Medicare Supplement Plans in Rhode Island – F, G & N Benefits

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Medicare is a wonderful benefit to have, but the best Medicare Supplement plans in Rhode Island add even more to this program. If you just started to receive your Medicare Part A and Medicare Part B or Original Medicare insurance benefits, you may have noticed that there is a lot that you are responsible for paying. 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.

Best Types of Medicare Supplement Plans in Rhode Island

Up to 10 different Medicare Supplement insurance plans are available for purchase in Rhode Island. You will have the option of buying your Medigap plans in Rhode Island from a Medicare insurance company. This is a private insurance company that sells Medigap policies and has a license to do so. If you currently have a Medicare Advantage plan, it will be illegal for an insurance agent to sell you Medigap plans in Rhode Island, so you will need to be enrolled in Medicare Part A and Part B to purchase the supplemental plan.

Medigap policies are standardized policies that supplement your Original Medicare benefits. As such, they are offering all beneficiaries the same basic benefits.

With so many Medicare Supplement plans to choose from, it may be difficult to choose the best one, but you can narrow your choices down when you compare rates.

To lower the price, you can also choose Medigap plans in Rhode Island that have the exact amount of coverage that you need. For example, several plans will pay a portion of the cost for medical expenses that you incur during travel to foreign countries. If you are not planning to travel outside of the country, you can opt to choose a Medigap plan that isn’t offering this coverage.

Benefits of Medicare Supplement Plan F in Rhode Island:

If you’re hoping to sign up for one of the Rhode Island Medicare Supplement plans that offer the most coverage, we think you will like Medigap Plan F in Rhode Island. It’s designed to significantly reduce your out of pocket costs as Medicare beneficiary.

  • Part A hospital coinsurance
  • Hospital costs up to 365 days after benefits through Original Medicare are exhausted
  • Part A hospice care copays or coinsurance
  • Part A deductible
  • Part B deductible
  • Part B preventive office visit coinsurance
  • Part B coinsurance or copays
  • Excess charges for Medicare Part B
  • First three pints of blood needed for a medical procedure
  • Coinsurance for care in a skilled nursing facility
  • Limited foreign travel emergency care

Like all other Medicare Supplement plans, including Plan A and Plan C, prescription drug coverage is not offered. Other than the lack of a Medicare Part D prescription drug plan — which is only available either as a part of Medicare Part C or as a stand-alone option that you can purchase separately — Medicare Supplement Plan F in Rhode Island covers just about all of your other healthcare costs.

If you want even more coverage, you can sign up for a Medicare prescription drug plan to go along with your Supplement plan.

Benefits Medicare Supplement Plan G in Rhode Island:

Medigap Plan G in Rhode Island is the other major plan that is incredibly robust. You’ll enjoy excellent coverage, benefits, and more affordable monthly premiums if you choose this plan.

  • Does NOT cover Medicare Part B deductible

Benefits Medicare Supplement Plan N in Rhode Island:

Medicare Supplement Plan N in Rhode Island benefits are designed for seniors who don’t mind cost-sharing for some of their healthcare needs. It provides cost savings on many healthcare services but doesn’t cost much in the form of a monthly premium.

  • Does NOT cover Part B Deductible
  • Does NOT cover Excess Charges for Part B
  • Requires $20 copay for office visits
  • Requires $50 copay for emergency room visits

Medicare Supplement Plans in Rhode Island: When Can I Enroll?

After you have decided on the best Medicare Supplement insurance plan in Rhode Island for your needs, an insurance agent will determine whether you qualify for a policy and what your rates will be by using medical underwriting. You may have a guaranteed issue right, so medical underwriting would not apply to you.

The best time to purchase your Medicare Supplement plans in Rhode Island is during the Medigap Open Enrollment Period. If you do search for your Medicare Supplement insurance plans during this time, you are entitled to purchase any plan that the Medicare insurance company sells even if you have pre-existing medical conditions.

Your insurance agent will inform you of your following obligations before you purchase the policy:

  • Copayments
  • Coinsurance
  • Deductibles
  • Premiums

The best Medicare Supplement plan in Rhode Island will be the “best” because you are guaranteed to be able to renew the policy every year even if you currently have health issues or develop them at a later date. If you are paying the premium, you don’t have to worry that you could suddenly lose your coverage.

Keep in mind that you will have premiums associated with your Medigap policy as well as the premiums you are currently paying for Original Medicare insurance. Also, remember that only one person can be the beneficiary of the best Medicare Supplement plan in Rhode Island. This doesn’t mean that both you and your spouse cannot purchase this extra coverage; it means that you and your spouse will have to purchase separate policies.

Those who do not buy their policies during the initial enrollment period may not be offered Medicare Supplement insurance plans in Rhode Island if they are experiencing health issues at the present time.

Medicare Supplement Plans in Rhode Island: Enrollment Statistics

Of the entire population of Medicare recipients in Rhode Island, 34.9 percent of them decided to purchase Medigap policies in Rhode Island in 2015.

Below is a list of the five counties in Rhode Island:

  • Providence County with 626,667 residents
  • Kent County with 166,158 residents
  • Washington County with 126,979 residents
  • Newport County with 82,888 residents
  • Bristol County with 49,875 residents

State Medicare Resources

You may need additional information about the federal Medicare program, the Medigap Open Enrollment Period or any other question that you may have. The following links will help you learn what you need to know about senior health insurance:



Of course, you don’t have to rely on the links above for all of your information about Rhode Island Medicare and the Medicare plans that are available for you. Many Medicare beneficiaries like to talk to an insurance agent one-on-one to find out about their health insurance options so that they can make the right decision.

Our licensed agents love to talk to seniors and will talk to you about all of your healthcare options, from Medicare Plan A to Plan N. They’ll help you understand your plan options, ask you about what you’d like to get out of the Medicare program and help you decide what type of monthly premiums you can afford.

Then, they’ll help you find a Rhode Island Medicare Supplement that is right for you. You can even get help with signing up for your plan with a top company like Aetna, Cigna & Mutual of Omaha by giving us a call today to talk about your Medicare Supplemental insurance needs.

Related Topics for Comparing Medicare Supplement Companies and Plans in RI

My Medigap Plans is a rapidly growing resource for Medicare beneficiaries. We specialize in educating consumers on their options and guiding them through the process of plan selection. We work closely with some of the nations top rated carriers such as AetnaCigna 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 or about Medicare Part D Prescription Drug plans, or request a Medicare Supplement Plan Quote.