Best Medicare Supplement Plans in Rhode Island (2026)

MoneyGeek analyzed Rhode Island Medigap rates from Medicare.gov for 2026 and found four insurers with the lowest price on at least one plan type. USAA has the cheapest rates for Plans A and G. Humana has the lowest rates for Plans B, C and F. Transamerica is the only insurer selling all 10 plan types and posts the lowest rates for Plans D, K, L and M. AFLAC has the cheapest Plan N in the state at $123 per month.

Every Medigap policy with the same letter covers the same benefits, regardless of insurer. The difference between USAA's Plan G at $148 and Aetna's at $192 is $528 per year for identical coverage. Plan N at AFLAC is $58 below the Rhode Island average of $181.

*Prices are for 65-year-olds.   

My recommendation for most Rhode Island Medicare beneficiaries who don't qualify for USAA is Plan G from Humana at $167 per month. It's $19 more than USAA's rate but available to everyone and $25 per month less than Aetna for the same coverage. For Plans D ($169), K ($76) or L ($113), get a Transamerica quote. It sells the only rates in MoneyGeek's Rhode Island data for those plan types.

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 per month for 65-year-olds. We found USAA's $148 rate is 28% below the $205 benchmark used in the plan-specific table below. Transamerica charges $169 while Humana charges $167.

MoneyGeek's Rhode Island Plan G rate data shows a $44 monthly gap between the first and seventh-ranked insurer. That's $528 per year for identical coverage.

Plan F covers every Medicare gap and includes the Part B deductible. CMS closed Plan F to new enrollees on January 1, 2020. Rhode Island residents enrolled in Medicare before that date can still purchase it. Rates range from $182 to $212 per month for 65-year-olds in Rhode Island, based on MoneyGeek's 2026 data.

Humana charges $182 per month, $30 less than the three insurers tied at $212. That gap is $360 per year.

Plan N trades a lower premium for modest out-of-pocket costs. You pay up to $20 for doctor visits and up to $50 for emergency room visits (waived if admitted).

AFLAC charges $123 per month in Rhode Island while Globe Life charges $138. That $15 monthly difference is $180 per year, the equivalent of nine doctor visit copays at $20 each.

Plan N makes financial sense when you're healthy and have limited health care use. At AFLAC's $123 rate versus USAA's Plan G at $148, the $25 monthly savings covers one and a quarter doctor visits at the $20 Plan N copay.

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.

AARP uses Community Pricing, which means a 75-year-old pays the same $198 per month for Plan A as a 65-year-old. USAA's Plan A starts at $116 at 65 under Attained Age Pricing, but rises with each birthday. AARP costs $82 more per month at 65, but that gap closes as Attained Age premiums rise.

Rhode Island Medicare Supplement premiums range from $94 per month on average for Plan K to $273 per month for Plan F, a $179 monthly spread. Annual spending runs from $1,128 to $3,276. Most Rhode Island seniors buy Plan G ($234 average), Plan F ($273 average) or Plan N ($181 average).

Plan G rates vary $44 per month between the cheapest and most expensive Rhode Island options for identical coverage. That gap is $528 per year.

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.

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.

Military members and veterans should buy Plan G from USAA at $148 per month. No other Rhode Island insurer offers lower Plan G rates, and the AM Best A++ rating means no financial stability tradeoff.

Non-military seniors who see a doctor fewer than 26 times a year get the best value from AFLAC's Plan N at $123 per month. The $44 monthly gap versus Humana's Plan G is $528 per year, more than 26 doctor visit copays at $20 each.

Non-military seniors with regular specialist visits or ongoing prescriptions should choose Humana's Plan G at $167 per month. It's the lowest available Plan G rate outside USAA and covers everything Medicare approves except the annual Part B deductible.

Rhode Island residents who enrolled in Medicare before January 1, 2020 should compare Humana's Plan F at $182 per month against Humana's Plan G at $167. Plan F covers the $283 Part B deductible; Plan G does not. The $15 monthly difference is $180 per year, less than the deductible if you hit it every year.

Find answers to frequently asked questions about Medigap coverage in Rhode Island below.

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.