Compare the Best Medigap Plans in Rhode Island for 2025
Many of the plans featured here are available through our partner, HealthCompare, who may compensate us when you enroll in a plan. This does not influence our evaluations. Our opinions are our own, based on our independent research. Learn more about how we make money.
If you’re a Rhode Island resident enrolled in Original Medicare, you can enhance your Part A and B coverage with one of the best Medigap plans in Rhode Island. With ten different Medigap options designed to reduce your out-of-pocket expenses, finding the best plan in Rhode Island that fits both your financial and healthcare needs has never been easier.
This page provides an overview of the leading Rhode Island Medicare Supplement plans and insurance companies available in 2025.
Discover the Top 3 Best Medigap Plans in Rhode Island for Complete Protection
For Medicare enrollees in Rhode Island, Medigap Plans F, G, and N consistently rank among the top choices. These Medicare Supplement plans are designed to offer different levels of coverage to help minimize out-of-pocket medical expenses. If you need the most comprehensive coverage, Plan F could be the right choice, while Plan G balances coverage and cost. Looking for a more budget-friendly option? Consider Plan N vs. Plan G.
Below, you’ll discover what makes them the most popular plans, along with key benefits and top providers in Rhode Island.
Medigap Plan F in Rhode Island
Medigap Plan F provides the most extensive coverage available, covering both Medicare Part A and Part B deductibles. This is the best Medicare Supplement plan for those who want the highest level of protection from out-of-pocket costs. Discover how Plan F compares to Plan G and learn about the High-Deductible Plan F option.
Required Benefits of Plan F in Rhode Island
Medigap Plan G in Rhode Island
Medicare Supplement Plan G is one of the most popular coverage options available, offering nearly all the coverage of Plan F but at a more affordable price. With the only exception being the Medicare Part B deductible, Plan G provides strong protection at lower costs. Explore why Plan G might be the right choice for you.
Required Benefits of Plan G in Rhode Island
Medigap Plan N in Rhode Island
Plan N provides solid coverage at lower premiums, making it a budget-friendly alternative. While small copayments apply for office visits and emergency room services, many find this plan to be a cost-effective way to get comprehensive protection, albeit without coverage for excess charges. Learn more about the pros and cons of Plan N.
Required Benefits of Plan N in Rhode Island
Average Costs for Medigap Plans in Rhode Island
Plan costs in Rhode Island are influenced by a variety of factors, including your plan selection, age, gender, and whether you smoke. Below are the average monthly premiums for some of the top supplemental plans available in Rhode Island:
- Plan G: $150 - $200 per month
- Plan N: $120 - $170 per month
Key Factors Influencing Medigap Costs in Rhode Island
The price of Medicare Supplements in Rhode Island can vary based on several important factors, including:
- Age: Premiums often rise as you age.
- Gender: Women may find that their premiums are slightly lower than men’s.
- Tobacco Use: Using tobacco typically leads to higher premiums.
- Location: Your location in Rhode Island can impact your premium due to regional cost differences.
Looking for ways to lower your Medigap and out-of-pocket costs? Learn how to find the most affordable Medigap coverage.
Compare rates from top carriers without the hassle of sales calls or spam. Our goal is to help you make an informed decision with unbiased, comprehensive information.
Get Your Free Medicare Supplement Rate Comparison
We're retired seniors, not insurance agents, and our goal is to empower you with the information you need, without any pressure. No Calls. No Email Spam. No Kidding!
Compare All Medicare Supplement Plans in Rhode Island
If you want to see how all Medicare Supplement Insurance plans sold in Rhode Island stack up, the chart below provides a complete comparison of what Plans A through N cover. Use this chart to get a full picture of your options in Rhode Island and choose the plan that best fits your needs.
NOTE: If you did not quality for Medicare on or before January 1, 2020, Plan F and Plan C are not available to you.
How and When to Enroll in Medigap Plans in Rhode Island
When it comes to enrolling in a Medigap plan in Rhode Island, timing is crucial. Certain enrollment periods determine when you're eligible to sign up, and the timing of your enrollment can impact your coverage and costs. Below, we outline the key enrollment periods you need to know:
Medigap Enrollment Periods
- Initial Enrollment Period (IEP): This seven-month window begins three months before your 65th birthday, includes your birthday month, and extends three months after. During this time, you can sign up for any Medigap plan without worrying about pre-existing conditions. Learn more about the Initial Enrollment Period.
- Open Enrollment Period (OEP): Your six-month Medigap open enrollment period starts when you turn 65 and are enrolled in Medicare Part B. This period allows you to choose any Medigap plan without needing to go through medical underwriting. Find out more about the Medigap Open Enrollment Period or read key tips for navigating Medigap enrollment.
- Special Enrollment Period (SEP): Life changes, like losing employer coverage, might qualify you for a Special Enrollment Period, letting you enroll in a Medigap plan outside of the typical timeframes. Learn more about Special Enrollment Periods.
Steps to Enroll in a Medigap Plan
Ready to sign up for Medicare Supplement coverage in Rhode Island? Here's how to do it:
- Review Your Options: Compare the available Medigap plans in Rhode Island to find the right match for your healthcare needs and budget.
- Check Enrollment Dates: Ensure that you’re in the right enrollment period, whether it’s your Initial Enrollment Period, Open Enrollment Period, or a Special Enrollment Period.
- Apply for Coverage: Reach out to your chosen insurer or broker to apply for your preferred Medigap plan.
- Confirm Your Enrollment: Once approved, confirm your enrollment and make sure you understand your coverage.
For more guidance on enrolling in Medigap, visit our Medigap Enrollment Guide.
Common Questions About Medigap Plans in Rhode Island
How is Medigap different from Medicare Advantage?
Medigap works alongside Original Medicare to cover gaps in coverage, while a Medicare Advantage plan is an alternative way to receive Medicare benefits through private insurance.
Can I change Medigap plans later?
Yes, you can switch plans, but medical underwriting may apply unless you qualify for guaranteed issue rights. Learn more about changing Medigap plans.
Does Medigap include prescription drug coverage?
No, Medigap plans don’t cover prescription drugs. You’ll need a separate prescription drug plan, called Medicare Part D for that.
What additional costs will I have with Medigap?
Beyond the monthly premium, you may face deductibles, copayments, and coinsurance, depending on your plan.
Citations & References
- Costs of Medigap policies, Medicare.gov, Last Accessed October 4, 2023
- What's Medicare Supplement Insurance (Medigap)?, Medicare.gov, Last Accessed October 4, 2023
- Find a Medigap policy that works for you, Medicare.gov, Last Accessed October 4, 2023
- How to compare Medigap policies, Medicare.gov, Last Accessed October 4, 2023
- How Original Medicare works, Medicare.gov, Last Accessed October 4, 2023
- Your Medicare coverage choices, Medicare.gov, Last Accessed October 4, 2023