Medicare Supplement Plans in Rhode Island
On this page we help consumers: Compare Rhode Island Medicare supplemental insurance. See premiums, fees, and reviews on all RI Medigap plans, including Plan F, G, and N.
Rhode Island Medicare Supplement Plans: What's the Difference?
Most Medicare experts agree: Original Medicare, combined with Rhode Island Medicare supplemental insurance, provides the best health coverage Rhode Island seniors can get. But, which supplement is the right one for you?
This is a complicated question. After all, we're all different and have different needs. For most of us, it boils down to what we can afford and our health. Although there are 10 standardized plans, most seniors choose one of three plans: F, G, and N. Keep reading and we'll explain why.
| Insurance Carrier | Plan F | Plan G | Plan N | Rating | |
|---|---|---|---|---|---|
| AARP | $127.80 | $108.03 | $84.43 |  |
|
| American Retirement Life | $170.72 | $141.94 | $108.04 |  |
|
| Americo Life | $164.69 | $136.33 | $106.74 |  |
|
| Colonial Penn | $211.47 | $156.42 | $99.96 |  |
|
| Continental Life | $164.35 | $136.86 | $104.79 | |
|
| Globe Life | $136.50 | $120.50 | $101.50 | |
|
| GPM Health and Life | $187.80 | $146.92 | $129.58 | |
|
| Humana | $160.17 | N/A | N/A | |
|
| Loyal Christian | $154.36 | $136.34 | $93.72 | |
|
| Mutual of Omaha | $170.31 | $117.76 | $89.04 | |
|
| National Guardian Life | $168.99 | $129.06 | $106.86 | |
|
| Renaissance Life | $158.60 | $141.26 | $107.97 | |
|
| Standard Life | $231.39 | $213.51 | $162.85 | |
|
| Transamerica | $167.58 | $129.69 | $97.70 | |
|
| United American | $196.00 | $178.00 | $138.00 | |
|
| USAA Life | $147.39 | N/A | $111.69 | |
|
Compare Plan RatesThe average Rhode Island senior compares three or more quotes before making an enrollment decision. |
|||||
Top 10 Medicare Supplement Plans in Rhode Island
Looking for the best Plan F, G or N available to Rhode Island seniors?
- 10 Best Medicare Supplement Plan F
- 10 Best Medicare Supplement Plan G
- 10 Best Medicare Supplement Plan N
Looking for a different plan? Compare all Medicare supplement plans here.
Rhode Island Medicare Supplement Plan F Comparison Chart
Medicare Supplement Plan F is the most popular Medigap plan available in Rhode Island. Here are the 10 best Plan F policies available in Rhode Island based on our reviews (click for details):
| Carrier | Premium[3] | Fee | Review[4] |
|---|---|---|---|
| AARP | $127.80 | None | |
| Globe Life | $136.50 | None | |
| United American | $196.00 | None | |
| USAA Life | $147.39 | None | |
| Mutual of Omaha | $170.31 | None | |
| Colonial Penn | $211.47 | None | |
| Standard Life | $231.39 | None | |
| Renaissance Life | $158.60 | $25.00 | |
| Humana | $160.17 | None | |
| Continental Life | $164.35 | $20.00 | |
Rhode Island Medicare Supplement Plan G Comparison Chart
Medicare Supplement Plan G is rapidly gaining popularity among Rhode Island seniors. With Plan F going away in 2020, it is expected to be the new gold standard. Here are the 10 best Medigap Plan G policies available in Rhode Island based on our reviews (click for details):
| Carrier | Premium[3] | Fee | Review[4] |
|---|---|---|---|
| AARP | $108.03 | None | |
| Globe Life | $120.50 | None | |
| United American | $178.00 | None | |
| Mutual of Omaha | $117.76 | None | |
| Colonial Penn | $156.42 | None | |
| Standard Life | $213.51 | None | |
| National Guardian Life | $129.06 | $25.00 | |
| Transamerica | $129.69 | $25.00 | |
| Americo Life | $136.33 | None | |
| Continental Life | $136.86 | $20.00 | |
| NOTE: Medigap Plan G is identical to Plan F, with one exception. A Plan G policy does not pay your Medicare Part B annual deductible. In many cases the annual cost of Plan G makes it a better deal. | |||
Rhode Island Medicare Supplement Plan N Comparison Chart
Medicare Supplement Plan N is similar to Plan D, but covers Medicare Part B coinsurance costs differently. Due to its lower cost and good coverage, it's catching the attention of many Rhode Island seniors. Here are the 10 best Medigap Plan N policies available in Rhode Island based on our reviews (click for details):
| Carrier | Premium[3] | Fee | Review[4] |
|---|---|---|---|
| AARP | $84.43 | None | |
| Globe Life | $101.50 | None | |
| United American | $138.00 | None | |
| Mutual of Omaha | $89.04 | None | |
| Colonial Penn | $99.96 | None | |
| USAA Life | $111.69 | None | |
| Standard Life | $162.85 | None | |
| Transamerica | $97.70 | $25.00 | |
| Continental Life | $104.79 | $20.00 | |
| Americo Life | $106.74 | None | |
| NOTE: With Medigap Plan N, 100% of your Part B coinsurance is covered, except up to a $20 copayment for office visits and up to $50 for emergency room visits. | |||
Abour our Rhode Island Supplemental Medicare Insurance Reviews
We evaluate all Medicare Supplement companies servicing policies in Rhode Island. Our reviews are unbiased. We use a mathematical formula that considers years in business, A.M. Best financial strength rating plans serviced, plan premiums and fees. We do not evaluate rate increase history, so be sure to ask your agent to provide this information.
We review Medicare Supplement Plans in Rhode Island head-to-head, statewide. We recommend consumers use our 5-star ratings as one aspect of their decision-making process. It helps compare insurance carriers at-a-glance. Call 1-855-266-4865 to speak with an agent and get a quote.
How Much do Supplemental Medicare Plans Cost in Rhode Island?
To get an accurate rate on Medicare Supplement plans, Rhode Island agents will ask for your address, age, sex, and use of tobacco products. The rates we list are samples based on a 65-year-old, non-smoking woman, and include applicable household discounts. Use our rates for comparison purposes only. Call 1-855-266-4865 to get quote.
Medigap Plans in Rhode Island are Standardized
All Medicare Supplement insurance carriers in Rhode Island are required to follow both federal and state laws designed to protect you. All Medigap plans must be clearly identified as Medicare Supplement Insurance. Insurance companies must offer the standardized Medicare Plans identified by letters A through N.
NOTE: Medigap, Medicare Supplements and Medicare Plans are all names used interchangeably for supplemental insurance that fills the gaps in Original Medicare coverage.
Each Medicare supplement insurance policy sold in Rhode Island offers the basic benefits of Plan A. All other lettered plans after A feature additional levels of coverage. This allows you to choose the amount of liability coverage you need.
Each insurance company decides which policies it wants to sell, although state laws might affect which ones they offer. Insurance companies that sell Medicare supplemental insurance:
- Are not required to offer every Medigap plan
- Must offer Medigap Plan A (basic benefits)
- Must also offer Plan C or Plan F
For more information, visit the Rhode Island Department of Insurance website at http://www.dbr.state.ri.us/.
Rhode Island Medigap Plan Comparison Chart
The comparison chart below shows the benefits offered by each standardized Medigap plan.
| Medigap Benefits | A | B | C | D | F* | G | K | L | M | N |
|---|---|---|---|---|---|---|---|---|---|---|
| Medicare Part A Coinsurance and hospital costs up to an additional 365 days after Medicare benefifits are used up | Yes | Yes | Yes | Yes | Yes | Yes | Yes | Yes | Yes | Yes |
| Medicare Part B Coinsurance or Copayment | Yes | Yes | Yes | Yes | Yes | Yes | 50% | 75% | Yes | Yes** |
| Blood (First 3 Pints) | Yes | Yes | Yes | Yes | Yes | Yes | 50% | 75% | Yes | Yes |
| Part A Hospice Care Coinsurance or Copayment | Yes | Yes | Yes | Yes | Yes | Yes | 50% | 75% | Yes | Yes |
| Skilled Nursing Facility Care Coinsurance | No | No | Yes | Yes | Yes | Yes | 50% | 75% | Yes | Yes |
| Medicare Part A Deductible | No | Yes | Yes | Yes | Yes | Yes | 50% | 75% | 50% | Yes |
| Medicare Part B Deductible | No | No | Yes | No | Yes | No | No | No | No | No |
| Medicare Part B Excess Charges | No | No | No | No | Yes | Yes | No | No | No | No |
| Foreign Travel Emergency (Up to Plan Limits) | No | No | Yes | Yes | Yes | Yes | No | No | Yes | Yes |
| Out-of-Pocket Limit*** | None | None | None | None | None | None | $5,240 | $2,620 | None | None |
* Medicare Plan F also offers a high-deductible plan. If you choose this option, this means you must pay for Medicare-covered costs up to the deductible amount of $2,240 before your Medigap plan pays anything.
** Medicare Plan N pays 100% of the Part B coinsurance, except for a copayment of up to $20 for some office visits and up to $50 copayment for emergency room visits that don't result in an inpatient admission.
*** After you meet your out-of-pocket yearly limit and your yearly Part B deductible, the Medigap plan pays 100% of covered services for the rest of the calendar year.
Got questions about Medicare Supplement Insurance in Rhode Island?
Try one of these answers:
- What are Medicare Supplement Plans?
- Medicare Supplement Plans Comparison Chart
- Best Medicare Supplement Plans
- Best medicare Supplement Plans Reviews
- Are Medicare Supplement Plans Worth it?
- Medicare Supplement Plans for Disabled Under 65
- Can I Change Medicare Supplement Plans Anytime?
- Medicare Supplement vs Advantage Plans
Need Local Help?
The State Health Insurance Assistance Programs (SHIPs) provide free, one-on-one insurance counseling and assistance to Medicare beneficiaries, their families and caregivers. The Rhode Island SHIP is a grant-funded project of the federal U.S. Department of Health and Human Services (HHS). You can reach them by phone or on their website:
- (401) 462-0510
- http://www.dea.state.ri.us/insurance/
Additional Foot Notes
[3] 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.
[4] Review rating stars are derived from MedicareWire reviews on our Medigap Plan pages.
The Medicare Supplement information on this page originates from CMS Data Files, is maintained by David Bynon, and was last updated on .