AARP Medigap Plans & Review Rhode Island
MedicareWire Rating:  |  |
|---|---|
| A.M. Best Rating: | A |
| A.M. Best Outlook: | Stable |
| S&P Rating: | AA- |
| Established: | 1998 |
| NAIC Number: | 79413 |
| Policy Fee: | None |
What Medicare Supplements does AARP offer in Rhode Island?
AARP (Insured by UnitedHealthcare Insurance Company) offers 8 different Medigap Plans in Rhode Island. Each plan covers the gaps in Original Medicare differently (see Comparison Chart or check out our Review). Here they are at a glance:
Community Rated Medigap Plans: When a plan is "Community Rated" the community will all be charged the same monthly premium if enrolled in the same plan. As an example, if you enroll at age 65 or 72 you would be charged the same amount. Premiums will increase, but your age will not be a factor.
AARP Medigap Plan Comparison Chart
The following table shows what each AARP Medigap plan covers:
| Medigap Plans Offered in Rhode Island | ||||||||
|---|---|---|---|---|---|---|---|---|
| Benefits | A | B | C | F | G | K | L | N |
| Part A Deductible | No | Yes | Yes | Yes | Yes | 50% | 75% | Yes |
| Part A Co-insurance | Yes | Yes | Yes | Yes | Yes | Yes | Yes | Yes |
| SNF Co-insurance | No | No | Yes | Yes | Yes | 50% | 75% | Yes |
| Part B Deductible | No | No | Yes | Yes | No | No | No | No |
| Part B Co-insurance | Yes | Yes | Yes | Yes | Yes | 50% | 75% | Yes |
| Excess Charges | No | No | No | Yes | Yes | No | No | No |
| Foriegn Travel | No | No | 80% | 80% | 80% | No | No | 80% |
| Out-of-Pocket Limits | No | No | No | No | No | $5,240 | $2,620 | No |
REVIEW: AARP Medicare Supplements in Rhode Island
AARP scored 4.5 out of 5.0 based on our scoring method. With a top 10 Plan F premium, more than 10 years in the Medicare Supplements business, and a strong financial rating from A.M. Best, we have confidence in AARP. Plus, they do not charge a policy fee. These are just a few reasons we recommend this carrier to seniors in Rhode Island. See the top 10 competition.
Here are the pros and cons from our analysis:
Pros
- The lowest Plan F premium.
- Excellent financial strength.
- Over 15 years in the Medicare Supplements business.
- Offers the 5 most popular plans.
- No charge for writing the policy.
Cons
- Does not offer Medicare SELECT plans.
We reviewed AARP's Medigap plan offering in Rhode Island versus all other carriers in the state. Our review is unbias. We use a formula that looks at years in business, A.M. Best financial strength rating, plans serviced, plan premiums and fees. We did not take into account rate increase history.
AARP Medigap Plan F vs. Competition
Medicare Supplement F is the most popular plan sold in Rhode Island. The following table shows how AARP stacks up with the competition.
| Carrier | Premium | Fee | Review[2] |
|---|---|---|---|
| AARP | $127.80 | None | |
| Globe Life | $136.50 | None | |
| USAA Life | $147.39 | None |  |
| Loyal Christian | $154.36 | $25.00 |  |
| Renaissance Life | $158.60 | $25.00 |  |
| Humana | $160.17 | None | |
| Continental Life | $164.35 | $20.00 | |
| Americo Life | $164.69 | None | |
| Transamerica | $167.58 | $25.00 | |
| National Guardian Life | $168.99 | $25.00 | |
| Mutual of Omaha | $170.31 | None | |
Contact AARP Medigap Sales
You can check out the details of AARP's Medigap plans with the following links:
- AARP Plan A Rhode Island Details
- AARP Plan B Rhode Island Details
- AARP Plan C Rhode Island Details
- AARP Plan F Rhode Island Details
- AARP Plan G Rhode Island Details
- AARP Plan K Rhode Island Details
- AARP Plan L Rhode Island Details
- AARP Plan N Rhode Island Details
For assistance 24 hours a day, call 800-633-4227. TTY users should call 877-486-2048 or visit www.medicare.gov. If you qualify for Medicare but have not yet enrolled or verified your enrollment status, you can do so on the Social Security Administration website. You can learn more about Medigap on the Wikipedia page and on WebMD.
Eligibility
AARP Medicare Supplements are available to all Rhode Island beneficiaries, ages 65 and older, who are enrolled in Medicare Part B. If you are just turning age 65, you have guaranteed issue rights and cannot be turned down by AARP. Plus, your policy cannot be canceled and it will continue to be renewed as long as you pay the premiums on time and make no material misrepresentations.
Availability
AARP services Medicare supplement insurance in Cranston, Providence, Warwick, Pawtucket, Woonsocket, Coventry, and most other Rhode Island cities. Visit the AARP Medicare page for more information.
Tips and Disclaimers
The Medicare Supplement plan data on MedicareWire comes directly from CMS.gov and private sources and is subject to change. The CMS, the Rhode Island State Insurance Commission, and AARP (Insured by UnitedHealthcare Insurance Company) has neither reviewed nor endorsed the information on this site.
The benefit information provided on this page is a brief summary only, not a complete description. Limitations and restrictions may apply. For more information contact the insurance carrier directly at https://www.aarpmedicareplans.com/.
This page presents an independent review of AARP as a Medicare Supplement insurance carrier in Rhode Island as compared to all other carriers. MedicareWire provides this information for consumer educational purposes. Our goal is to present information accurately and without bias, based on our interpretation of factual information about each carrier. MedicareWire is not a substitute for legal, health, or financial advice from a licensed professional. On this page we help comsumers:
Compare Medicare Supplements from AARP (RI) with competing Medigap insurance in Rhode Island. Shop lowest prices on Medicare Plan F, G, N and more. Guaranteed issue on all AARP Medigap plans when turning age 65. See our 5-star review.
Medicare Supplement insurance, also known as Medigap insurance, must follow federal and state laws and does not work with any other type of health insurance, including Medicare Advantage Plans, employer/union group health coverage, Medicaid, Veterans Administration (VA) benefits, or TRICARE. Insurance companies, including AARP, can only sell you a standardized Medigap policy identified by letters A through M. Each standardized policy must offer the same benefits, no matter which insurance company sells it. Cost is the only difference between Medigap policies sold by different insurance companies.
Trademarks
The AARP logo and name are legal U.S. trademarks of AARP (Insured by UnitedHealthcare Insurance Company). We make no claim to the marks whatsoever. All trademarks remain the property of their owner, and are used by MedicareWire only to describe products and services offered by the trademark holder. The use of third party trademarks on this site in no way indicates any relationship, connection, association, sponsorship, or affiliation between MedicareWire and AARP. MedicareWire is a comparison and research website that does not offer Medicare insurance products. We use brand names and logos for editorial purposes only, as permitted by U.S. Trademark Fair Use Law and the laws of the Great State of Rhode Island.
Foot Notes
[1] Sample premium is for a 65 year old, non smoking, woman living in Rhode Island. The rate was accurate on date of publication. Rates change frequently and they are priced by county. You must contact a licensed agent to get a current rate for your situation.
[2] Review rating stars are derived from MedicareWire reviews on our Rhode Island Medigap Plan Reviews page.
The Medigap plan information on MedicareWire is maintained by David Bynon and was last updated on .