Medigap Plans Rhode Island

10 Best Medigap Plan F Policies in Rhode Island

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^[1]	Fee
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

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10 Best Medigap Plan G Policies in Rhode Island

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^[1]	Fee
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.

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10 Best Medigap Plan N Policies in Rhode Island

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^[1]	Fee
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.

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Medicare Supplement Reviews

We review all major Medigap insurance carriers selling Medigap policies in Rhode Island. Our 5-star ratings are unbiased. We use a complex formula that evaluates years in business, A.M. Best financial strength rating, plans serviced, plan premiums and fees. Currently, our formula does not take rate increase history into account, so be sure to ask your agent for this information.

Our reviews are based on statewide analysis, not nationwide. We recommend consumers use our 5-star ratings as one aspect of their decision making process. It helps compare insurance carriers at-a-glance.

Medicare Supplement Rates (Premiums)

We list monthly premiums for all Medigap plans offered by Medicare Supplement carriers in Rhode Island. Rates are samples based on a 65 year old, non-smoking woman and include applicable household discounts. Use our rates for comparison purposes only. Your actual rate will be based on where you live, your age, sex and use of tobacco products.

Review^[2]

Medigap Carrier

Plan A

Plan F^[1]

AARP

$71.30

$127.80

Globe Life

$79.00

$136.50

United American

$114.00

$196.00

USAA Life

$115.77

$147.39

Mutual of Omaha

$128.63

$170.31

Standard Life

$162.84

$231.39

Colonial Penn

$182.68

$211.47

Transamerica

$99.17

$167.58

Renaissance Life

$114.10

$158.60

Continental Life

$116.04

$164.35

Humana

$123.89

$160.17

National Guardian Life

$125.37

$168.99

Americo Life

$136.57

$164.69

GPM Health and Life

$137.64

$187.80

Loyal Christian

$111.77

$154.36

American Retirement Life

$146.90

$170.72

Top 10 Medigap Plans in Rhode Island

Looking for the best Plan F, G or N available to Rhode Island seniors?

Medigap Plans are Standardized Medicare Supplements

The Rhode Island Department of Insurance and the federal government have worked together to standardize Medicare supplemental insurance policies. Insurance companies must clearly identify plans as Medicare Supplement Insurance and each Medicare Plan must use a standardized letter code, A through N. Each lettered plan offers the same benefits, regardless of the carrier offering it. Only the rates are different.

NOTE: Medigap, Medicare Supplements and Medicare Plans are all names used interchangeably for supplemental insurance that fill 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/.

Why is Medicare Supplement Plan F Favored in Rhode Island?

Medicare Plan F costs more than all other Medigap plans, yet it is the most popular among Rhode Island seniors. In fact, more than 50% of people with supplemental coverage buy Plan F. The top reason is that it covers all gaps in Original Medicare, offering peace-of-mind and convenience.

IMPORTANT: If you need protection from high medical bills, you must buy a Medicare Supplement Plan F policy before January 1, 2020. Congress voted and supplement insurance carriers will not be able to offer these polices after December 31, 2019.

What About the AARP Medicare Supplement: Is it the Best Rhode Island Medigap Plan?

Best is a relative term. To be sure, AARP sell more Medicare Supplements than any other insurance carrier. That said, AARP Medigap Plans, underwritten by United Healthcare, have the same benefits and features as all other standardized supplements. The real difference is the monthly premium, how often rates increase, and the financial stability of the insurance carrier.

In our experience, AARP Medicare Supplement premiums are frequently more than competing carrier in the same area. However, in many areas UHC has a competitive advantage with their Medicare SELECT plans. Ask your agent about Medicare SELECT options in your area.

AARP sells a range of Medicare supplements, however, Plan F, Plan G and Plan N are the most popular. You can quickly see the coverage differences between these plans using the comparison chart below.

Med Supp Plan Comparison Chart

The following Medicare Supplement Plans Comparison Chart offers a quick look at the benefits provided by each Medigap policies.

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.

Medigap vs Medicare Advantage

Still wondering if a Medicare Supplement is the right way to go? Considering Medicare Advantage to cut costs? For many seniors in Rhode Island it's a difficult decision. Here are a couple things to consider.

First, understand the difference between Medigap and Medicare Advantage plans available in Rhode Island. A Medigap plan fills gaps in your Original Medicare benefits. A Medicare Advantage plan may have a similar effect, but it replaces your Original Medicare benefits with managed care, reducing your options.

Second, if you need the most choices and flexibility, Original Medicare combined with a Medicare Supplement and a Rhode Island Medicare Part D plan is the best coverage you can get.

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/

Disclaimers

The Medicare Supplement Insurance data on MedicareWire.com comes from Medicare.gov, CMS.gov and private sources and is subject to change. CMS has neither reviewed nor endorsed the information on this site.

The MedicareWire.com website is available for educational purposes. Our goal is to present information about senior health insurance accurately and without bias, based on our interpretation of factual information. However, this site is not intended as a substitute for legal, health, or financial advice from a licensed professional. On this page we help consumers:

Compare Rhode Island Medigap Plan, rates and reviews, including Medicare Plan F, G, and N. Find the best Medicare Supplements in Rhode Island at the lowest cost available. Get an AARP Med Supp plan, guaranteed issue, if you're turning age 65.

MedicareWire.com is an independent research, technology and publishing organization. We are not affiliated with Medicare, Medicare plans, insurance carriers, or healthcare providers, nor are we compensated for Medicare plan enrollments.

Trademarks

The logos and brand names used on this page are legal U.S. trademarks. We make no claim to the marks whatsoever, nor do we claim to represent the brands, products or services presented. We use brand names and logos on this page for editorial purposes only, as permitted by U.S. Trademark Fair Use Law and 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 Medigap Plan pages.

This page is maintained by David Bynon and was last updated on October 12, 2018.

Medigap Plans Rhode Island

10 Best Medigap Plan F Policies in Rhode Island

10 Best Medigap Plan G Policies in Rhode Island

10 Best Medigap Plan N Policies in Rhode Island

Medicare Supplement Reviews

Medicare Supplement Rates (Premiums)

Top 10 Medigap Plans in Rhode Island

Medigap Plans are Standardized Medicare Supplements

Why is Medicare Supplement Plan F Favored in Rhode Island?

What About the AARP Medicare Supplement: Is it the Best Rhode Island Medigap Plan?

Med Supp Plan Comparison Chart

Medigap vs Medicare Advantage

Need Local Help?

Disclaimers

Trademarks

Foot Notes

About MedicareWire.com

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