The best Medicare Supplement plans in Rhode Island come from three insurers. USAA charges $148 for Plan G while Aetna charges $192 for the same standardized benefits. Plan N costs $123 at AFLAC versus $138 at Globe Life. Humana leads three categories: Plans F ($182), B ($154) and C ($179) cost less than competitors. Price determines savings since every Medigap policy with the same letter provides identical benefits regardless of insurer.
Best Medicare Supplement Plans in Rhode Island (2026)
Updated: February 1, 2026
Advertising & Editorial Disclosure
Key Takeaways
USAA offers Rhode Island’s lowest Plan G rates, AFLAC provides the most affordable Plan N option and Humana leads on Plan F pricing.
Medicare Supplement plans in Rhode Island range from about $94 to $273 per month, depending on plan type, provider and pricing structure.
Compare quotes from multiple insurers and check plan availability, restrictions and benefits to find your best option.
Best Medicare Supplement Plans in Rhode Island
| USAA | A | $116 | $59 | Attained Age Pricing |
| Humana | B | $154 | $73 | Attained Age Pricing |
| Humana | C | $179 | $86 | Attained Age Pricing |
| Transamerica | D | $169 | $46 | Issue Age Pricing |
| Humana | F | $182 | $91 | Attained Age Pricing |
| USAA | G | $148 | $86 | Attained Age Pricing |
| Transamerica | K | $76 | $18 | Issue Age Pricing |
| Transamerica | L | $113 | $37 | Issue Age Pricing |
| Transamerica | M | $139 | $0 | Issue Age Pricing |
| AFLAC | N | $123 | $58 | Attained Age Pricing |
*Prices are for 65-year-olds.
USAA
MoneyGeek Rating
4.5/ 5
4.8/5Affordability
4.3/5Pricing Style
4.1/5Plan Availability
Average Plan G Rate
$148Plan Types
A, F, G, N
Humana
MoneyGeek Rating
4.2/ 5
4.8/5Affordability
3.9/5Pricing Style
3.2/5Plan Availability
Average Plan G Rate
$167Plan Types
A, B, C, F, G, K, L
Aflac
MoneyGeek Rating
4.6/ 5
4.8/5Affordability
4.6/5Pricing Style
4.4/5Plan Availability
Average Plan G Rate
$184Plan Types
A, F, G, N
Transamerica
MoneyGeek Rating
4.6/ 5
4.9/5Affordability
4.3/5Pricing Style
4.2/5Plan Availability
Average Plan G Rate
$169Plan Types
A, B, C, D, F, G, K, L, M, N
Best Medicare Supplement Plan G in Rhode Island
Plan G pays everything Medicare approves except the annual Part B deductible. Seven Rhode Island insurers offer it with premiums ranging from $148 to $192 monthly for 65-year-olds. USAA's $148 rate is 28% below the $205 state average. Transamerica charges $169 while Humana charges $167.
| USAA | $148 | $57 | $1,776 | $684 |
| Humana | $167 | $38 | $2,004 | $456 |
| Transamerica | $169 | $36 | $2,028 | $432 |
| Blue Cross Blue Shield | $177 | $28 | $2,124 | $336 |
| Bankers Life | $180 | $25 | $2,154 | $300 |
| AFLAC | $184 | $21 | $2,208 | $252 |
| Aetna | $192 | $13 | $2,304 | $156 |
Best Medicare Supplement Plan F in Rhode Island
Plan F covers every Medicare gap including the Part B deductible. CMS closed this plan to new enrollees January 1, 2020. Current Medicare beneficiaries grandfathered in can still purchase it. Rhode Island rates range from $182 to $212 monthly for age 65.
| Humana | $182 | $69 | $2,184 | $828 |
| USAA | $183 | $68 | $2,196 | $816 |
| Aetna | $205 | $46 | $2,460 | $552 |
| Blue Cross Blue Shield | $209 | $42 | $2,508 | $504 |
| Transamerica | $212 | $39 | $2,544 | $468 |
| AFLAC | $212 | $39 | $2,544 | $468 |
| Globe Life | $212 | $39 | $2,544 | $468 |
Best Medicare Supplement Plan N in Rhode Island
Lower premiums come with trade-offs in Plan N. You'll pay up to $20 when visiting doctors and up to $50 for emergency room care (waived if admitted). These copays cost less than the premium difference between Plan N and Plan G for most beneficiaries. AFLAC charges $123 monthly in Rhode Island while Globe Life charges $138. That $15 monthly gap equals $180 yearly or nine doctor visit copays.
| AFLAC | $123 | $35 | $1,476 | $420 |
| Mutual of Omaha | $125 | $33 | $1,500 | $396 |
| Aetna | $131 | $27 | $1,572 | $324 |
| Transamerica | $131 | $27 | $1,572 | $324 |
| USAA | $134 | $24 | $1,608 | $288 |
| Bankers Life | $135 | $23 | $1,620 | $276 |
| Globe Life | $138 | $20 | $1,656 | $240 |
Personalized Rhode Island Medicare Supplement Plan Recommendations
Your age defines your premium under most pricing methods. Select your birth year in the filter below. A 75-year-old pays more than someone age 65 for identical coverage from the same company. The table shows what Rhode Island companies charge based on your selections.
Data filtered by:
A
Select
No
| USAA | A | No | 65 | $116 | $0 | Attained Age Pricing |
| Globe Life | A | No | 65 | $135 | $0 | Attained Age Pricing |
| Transamerica | A | No | 65 | $135 | $0 | Issue Age Pricing |
| Humana | A | No | 65 | $141 | $0 | Attained Age Pricing |
| United American | A | No | 65 | $143 | $0 | Attained Age Pricing |
| AARP | A | No | 65 | $198 | $0 | Community Pricing |
| Aetna | A | No | 65 | $201 | $0 | Attained Age Pricing |
| Bankers Life | A | No | 65 | $207 | $0 | Attained Age Pricing |
| Mutual of Omaha | A | No | 65 | $207 | $0 | Attained Age Pricing |
| AFLAC | A | No | 65 | $218 | $0 | Attained Age Pricing |
Medicare Supplement Plan Cost in Rhode Island
Between Plan K (averaging $94 monthly) and Plan F (averaging $273 monthly), Rhode Island residents see a $179 monthly spread. Annual spending ranges from $1,128 to $3,276. Most seniors buy Plan G ($234 average), Plan F ($273 average) or Plan N ($181 average).
Three factors control what you'll pay: which company you pick, how old you are and which pricing method the insurer uses. Companies charge differently for identical medicare supplement premiums. Plan G rates vary $44 monthly between cheapest and most expensive Rhode Island options.
| A | $175 | $2,100 |
| B | $227 | $2,724 |
| C | $265 | $3,180 |
| D | $215 | $2,580 |
| F | $273 | $3,276 |
| G | $234 | $2,808 |
| K | $94 | $1,128 |
| L | $150 | $1,800 |
| M | $139 | $1,668 |
| N | $181 | $2,172 |
How to Choose the Best Medicare Supplement Plan
Rhode Island has multiple insurers selling identical plan types at different prices. Once you select your plan letter, evaluate companies on factors that affect your long-term costs.
- 1Assess Your Health Care Needs
Do you travel frequently? How often do you see doctors? More coverage costs more monthly but saves you money when you need care. If you have ongoing medical conditions requiring regular treatment, higher monthly premiums cost less overall through lower out-of-pocket expenses.
- 2Compare Plan Types
Plan G offers the most coverage for new Medicare beneficiaries. Plan N provides similar benefits with lower premiums plus modest copays ($20 for doctor visits, $50 for emergency room). Plan F, available only if you enrolled in Medicare before 2020, covers all out-of-pocket costs. Plans K and L cost less monthly but require you to pay a percentage of costs until you hit an annual limit. Plans A, C and D cover basics with varying benefit levels. Plans B and M fill specific gaps between basic and comprehensive coverage.
- 3Get Quotes From Multiple Providers
Get quotes from at least three companies to ensure competitive rates. Insurers charge different rates for identical coverage.
- 4Check Pricing Style
Three pricing methods exist: Issue Age (locked at your enrollment age), Attained Age (rises as you age) and Community-Rated (same for everyone). Issue Age and Community-Rated plans save you money long-term.
- 5Check Company Ratings
Check AM Best ratings for financial stability and customer satisfaction scores for service quality. Cheaper premiums aren't worth it if your insurer delays claims or provides poor service.
- 6Enroll During Open Enrollment
Enroll during the six-month window starting when you turn 65 and sign up for Medicare Part B. You're guaranteed acceptance regardless of health conditions. Wait longer, and insurers may charge more or deny coverage.
Rhode Island Medicare Resources
Rhode Island residents looking for Medicare Supplement options can turn to these resources:
- Rhode Island SHIP (State Health Insurance Assistance Program): Office of Healthy Aging operates SHIP with trained volunteers assisting during Medicare Annual Open Enrollment and year-round for new beneficiaries. Helps with Medicaid, Medicare Savings Program and Extra Help applications. Main Line: 1-888-884-8721. ADRC: 401-462-4444. Regional offices serve Providence, Northern RI, West Bay, South County, East Bay and Newport County.
- Rhode Island Department of Business Regulation - Insurance Division: File complaints online, by fax to (401) 462-9602, email to DBR.Insurance@dbr.ri.gov, or mail to 1511 Pontiac Avenue, Bldg. 69-2, Cranston, RI 02902. Contact: (401) 462-9520, Monday-Friday 8:30 a.m. to 4:00 p.m. Eastern. Office of the Health Insurance Commissioner (OHIC) partners with Rhode Island Parent Information Network (RIPIN) for consumer assistance: (855) 747-3224.
- Rhode Island Office of Healthy Aging (OHA): Rhode Island functions as a single Area Agency on Aging state, with OHA serving as both the state unit on aging and area agency. OHA connects older Rhode Islanders, adults with disabilities and family caregivers to benefits, protective services and healthy aging programs statewide. Call "The Point" at 401-462-4444 for tailored information and community resource connections.
- Medicare.gov: Use the Plan Finder tool to search Medigap plans available in your area and review cost differences among carriers offering identical coverage.
Medicare Supplement Plans in Rhode Island: FAQ
Find answers to frequently asked questions about Medigap coverage in Rhode Island below.
When is Medicare Supplement open enrollment in Rhode Island?
Medicare Supplement open enrollment in Rhode Island begins when you turn 65 and enroll in Medicare Part B. This six-month window guarantees coverage regardless of health conditions. You can buy a Medicare Supplement plan anytime, but insurers can deny coverage or charge higher rates outside this period.
What are the most popular Medicare Supplement plans?
Plan G, Plan F and Plan N are the most popular Medicare Supplement plans. Plan G offers comprehensive coverage with predictable out-of-pocket costs. Plan F provides the most complete coverage but is available only to those eligible before 2020. Plan N offers lower premiums with modest copayments ($20 for doctor visits, $50 for emergency room). Learn more about Medicare coverage.
Do you have to renew Medigap plans every year?
No. Medicare Supplement plans automatically renew as long as you pay premiums on time. Your coverage continues indefinitely without annual enrollment periods, unlike Medicare Advantage plans that require yearly review during open enrollment.
What's the difference between Medicare Supplement and Medicare Advantage?
Medicare Supplement plans work with Original Medicare to cover out-of-pocket costs like deductibles and copayments. Medicare Advantage plans replace Original Medicare entirely, providing an all-in-one alternative with different networks, costs and coverage rules. Supplement plans offer more provider flexibility. Advantage plans often include extras like dental and vision coverage.
Our Methodology
MoneyGeek collected Rhode Island Medicare Supplement data for 65-year-olds and 75-year-olds using Medicare.gov's plan browsing tool. Unless otherwise noted, this article references quotes for 65-year-olds.
We scored Rhode Island Medigap companies across three categories to create a weighted score out of 5:
- Affordability (50%): Lower monthly premiums earn higher scores.
- Pricing style (20%): We scored pricing methods based on long-term stability and fairness: Community Pricing (1.0), Issue-Age Pricing (0.8) and Attained-Age Pricing (0.6). A community-rated plan with slightly higher costs can outscore a cheaper attained-age plan because community-rated premiums stay stable as you age.
- Plan availability (30%): Insurers offering more plan types score higher. We weighted popular plans (G, F and N) more heavily in scoring.
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About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. He has analyzed the insurance market for over five years, conducting original research for insurance shoppers. His insights have been featured in CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.