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Medicare Supplement Plans in Rhode Island

Original Medicare (Medicare Part A and Part B) covers 80% of Medicare-approved charges for medical expenses. Medicare Supplement plans in Rhode Island are often referred to as Medigap policies because they cover the “gaps” or out-of-pocket expenses for healthcare that are left after Original Medicare is billed. This may include deductibles, co-pays and coinsurance charges. Medicare Supplement policies may also include overseas emergency health coverage.

In 2022, approximately 50,713 Rhode Island residents are enrolled in Medicare Supplement insurance plans.

About 1,182 of these enrollees are enrolled in Medicare Supplement Plan G.

Here are the five most popular Medigap Plans in Rhode Island:

Find Plans in Your Area
 

Medicare Supplement Plan F

Plan F is the Medigap plan in Rhode Island with the most robust benefits, covering even the Medicare Part B deductible and Medicare Part B Excess Charges.

Only beneficiaries whose start date was prior to January 1, 2020 can enroll in Medicare Plan F. Those who signed up for Part F prior to January 1, 2020 can keep their policies. Medicare beneficiaries with a Medicare eligibility date prior to January 1, 2020 who have not yet enrolled in Medicare may still choose Plan F.

Medicare Supplement Plan G

Medicare Plan G is rapidly becoming more popular among Rhode Island Medicare recipients. It offers the most comprehensive coverage when compared with all other Medigap policies for individuals with Medicare start dates after January 1, 2020.

Medicare Supplement Plan N

Medicare Plan N is the choice of many Medicare recipients who want comprehensive coverage coupled with lower monthly premiums on a Medicare Supplement insurance plan in Rhode Island.

In exchange for the monthly savings on premiums, the individual would pay certain copays for medical services. Office visits with your doctor could have a copay of as much as $20 per visit. Emergency room visits not leading to hospital admission could carry up to a $50 copayment.

If you generally see your doctor or need medical services only occasionally, Plan N can be a good choice for you.

High Deductible Medigap Plan F

Medicare offers a High Deductible Plan F policy that is identical to the standard Plan F except that it has a substantially higher yearly deductible. The HD Plan F deductible in 2022 is $2,490.

Once the $2,370 deductible is paid, Medicare coverage will begin, and monthly premiums will be substantially lower than those of standard Plan F.

High Deductible Medigap Plan G

As with high deductible Plan F, Medicare high deductible Plan G requires a yearly deductible of $2,490 to be paid before Medicare coverage kicks in. Lower monthly premiums can still make the high deductible plan more affordable than standard Plan G.

Those who still have eligibility for Plan F would do well to consult with a licensed insurance agent to help compare plan options and find the right Medicare insurance company and plan to match medical and financial needs.

Medicare Supplement Insurance cost in Rhode Island

Medigap monthly premiums are based on age, sex, location, and smoking habits. Many Medigap insurance companies give discounts to women and better rates for nonsmokers.

Monthly premiums for Medicare Supplement Plans in Rhode Island range from $121.69 – $163.58.

The average amount of the Medigap monthly premium in Rhode Island is $142.45.

When can I apply for a Medicare Supplement plan?

Your first opportunity to apply for a Rhode Island Medicare Supplement Plan will be during your Medigap Open Enrollment Period. This period begins the month you are 65 years old and enrolled in Medicare Part B. The Medigap Enrollment Period cannot be repeated or rescheduled.

During this time, you can enroll in the Medigap insurance of your choice regardless of your current medical condition. You cannot be turned down by an insurer or charged more because of pre-existing conditions. You can change from one Medigap plan to another during this 6-month Medigap enrollment period.

Since Medicare can be complex and even confusing at times, starting with a Medigap plan in Rhode Island during your Medigap Enrollment Period gives you the best chance of getting the best coverage for you in the long term.

Certain circumstances qualify a person for guaranteed issue rights to enroll in Medicare Supplement insurance plans in Rhode Island regardless of health condition during Special Enrollment Periods.

Special Enrollment Periods can happen when:

  • Retiring from employer-based group coverage
  • Losing a Medicare Advantage Plan
  • Moving to a location outside your service area
  • Moving to an area that has more plans to choose from

Ready to Learn More?

We help educate Medicare beneficiaries on their Medigap options and help them go through the process of reviewing and comparing plans. We work with most of the nations top-rated Medigap carriers such as Aetna, Cigna, Mutual of Omaha and Florida Blue Medicare plans. Give us a call today, or request a quote online to learn more about Aetna Medicare Supplement plan G and Mutual of Omaha Medicare Supplement plan G in your state. We educate you on the best Medicare Plans for your situation, then let you decide. 

FAQ:

When can I change Medigap plans?

During your Medigap Open Enrollment Period, you can change Medigap Plans by taking advantage of the “Free Look Period”. Try out a different Medigap plan for 30 days. You will enroll in this plan without canceling your active Medigap Plan. You will pay the premium on both for that one month and choose the one you want to keep.

If you have a Medicare Select policy in addition to Original Medicare and you move to a location outside the Select policy’s service area, you will be able to choose a new Medicare Supplement plan.

Can I be denied Medigap coverage?

During your Medigap Open Enrollment Period, you cannot be denied coverage. If you have a guaranteed issue right due to certain circumstances (some described above), you cannot be denied.

When you apply outside one of these enrollment periods, you can be denied coverage due to a chronic health condition.

Related Topics

Rhode Island State Links

Rhode Island Medicare Resources

Key Take Aways
  • Once you’re enrolled in Medicare Part A and Part B, you have the option of enhancing your Medicare coverage by signing up for the best Medicare Supplement plan in Rhode Island for 2022.
  • There are 10 Medicare Supplement Plans in Rhode Island to choose from.
  • In Rhode Island, Medicare Supplement Plan G is the most popular plan for 2022.