Rhode Island seniors can choose from any of the 12 companies selling Medicare Supplement insurance. Medicare plans help you pay the portion of Part A and Part B that Original Medicare does not cover. Also known as Medigap, available policies cover a range of costs, including deductibles, copayments and coinsurances.
What You Must Know about Medicare Supplements in Rhode Island
If you’re not familiar with Rhode Island Medicare Supplement insurance, and how it protects you from massive doctor and hospital bills, read our Medicare Supplement information page. All Medicare Supplements available in Rhode Island are standardized by the State Board of Insurance. Our goal is to show you all available information about each type of Rhode Island Medigap plan.
Medicare Supplements vs. Medicare Advantage
Comprehensive Medicare Supplements are expensive and premiums are going up. If you can afford a supplement it’s the best choice. If not, there’s Medicare Advantage. A Rhode Island Medicare Advantage (MA) plan protects you from big healthcare bills and may provide additional options that Original Medicare does not.
As with most other financial decisions, there are trade-offs. Most importantly your choice in healthcare providers, which most Medicare Advantage plans restrict to their network of providers. That said, the big advantages are additional benefits, like prescriptions, dental, hearing, and vision that are not covered by Original Medicare.
The important thing to know about every Medicare Advantage plan is that they limit your Maximum Out-of-Pocket (MOOP) expense to a maximum of $6,700 per year. That makes them worth comparing to Medicare Supplements. We have the complete catalog of 2018 Medicare Advantage Plans available in Rhode Island.
Rhode Island Medicare Part D Plans (Rx)
While you’re comparing Rhode Island Medicare Supplements, it’s a good idea to shop for a Medicare Part D Plan (PDP), too. Medicare does not cover prescriptions, nor do Medigap plans. We make shopping easy with our complete catalog of 2018 Medicare Part D Plans in Rhode Island.
Medicare Supplement Eligability
You can apply for a Rhode Island Medicare Supplement if you are:
- A Rhode Island resident,
- Enrolled in both Medicare Part A and Part B, and
- You are 65 years old or older.
Supplemental plans are available in the following counties: Newport, Providence, Washington, Bristol, Kent, and most rural areas of Rhode Island.
Rates shown are samples from within Rhode Island for comparison purposes only. This page was last updated on 9/24/2017.