The Best Rhode Island Medicare Supplement Plans (2022)

In Rhode Island, there are ten Medicare Supplement plans, also known as Medigap plans, but their availability is based on when you became eligible for Medicare.

MoneyGeek identified Humana, UnitedHealthcare and Blue Cross Blue Shield of Rhode Island as the best plan providers in the state.

Note that you can’t simultaneously have a Medigap and Medicare Advantage plan in Rhode Island. When you buy a Medicare Advantage plan, it automatically replaces your Medicare plan, including Original Medicare.

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Last Updated: 9/14/2022
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In general, a 65-year-old pays $129 per month for a Medicare Supplement plan in Rhode Island, while a 75-year-old pays slightly more at $197 per month.

Because of their comprehensive coverage, Plan F and Plan G are often preferred by those who are eligible for Medicare. On average, Plan G and Plan F cost $197.44 and $129 per month, respectively. Note that Plan F will only be available to you if you became eligible for Medicare before 2020.

Plan N is the next most popular plan. It offers similar coverage to Plans F and G but also has excess charges. This plan has average monthly rates of $114.90 for 65-year-olds and $181.79 for 75-year-olds.

MoneyGeek ranked the best options for these three plans based on their average premiums and benefits. If you want to know more about different types of plans and coverages, check out our guide on finding the best Medicare Supplement Plan.

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Best Medicare Supplement Plans in Rhode Island

Best Medicare Supplement Plan G in Rhode Island

Blue Cross Blue Shield of Rhode Island is MoneyGeek’s top pick for Medigap Plan G in the state. This plan costs an average of $130.43 per month.

Policyholders can choose to buy the company’s Select Plan G at a reduced monthly premium of $114.89. While the “Select” version of a plan might be a more affordable option, it includes restrictions on your healthcare network.

Note that MoneyGeek based these rankings on online quotes, thereby excluding insurers that do not provide estimates online. There may be other Medigap providers in Rhode Island that offer better rates which were not included in our analysis.

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MoneyGeek Top Pick
BlueCross BlueShield of Rhode Island
  • MoneyGeek Score: 85 out of 100
  • Average Monthly Rate: $130.43

Blue Cross Blue Shield of Rhode Island has far cheaper Medigap Plan G premiums than the state’s average premium cost of $157.20 for Medigap Plan G. This insurer also offers several perks to its policyholders, including foreign travel emergency care services and gym discounts.

If you are looking for a still cheaper alternative, you can opt for Blue Cross Blue Shield of Rhode Island’s Select Plan which has a monthly premium of $114.89.

For Select plans, your monthly premium will be reduced, but you’ll have a more restrictive network. Before choosing a Select Plan, we advise that you check to see if your preferred hospital facilities and health care providers are within the Blue Cross Blue Shield of Rhode Island’s network.

MORE ABOUT PLAN G IN RHODE ISLAND

Navigate to learn more about Medigap Plan G in Rhode Island, including how much it costs on average, what providers are available and what it covers.

The Cost of Medicare Supplement Plan G in Rhode Island

Medicare Supplement Plan G has a monthly average cost of $157.20 in Rhode Island. However, your actual premium may vary depending on how old you were when you bought your plan, your current age, provider-offered discounts and medical underwriting factors.

In the state, Humana offers the cheapest Plan G for 65-year-olds at $103.50 per month, while Aetna has the most expensive plan at $182.10 per month.

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  • Company
    Sample Monthly Rate
  • Humana
    $104
  • Blue Cross Blue Shield of Rhode Island
    $123
  • UnitedHealthcare
    $140
  • Aetna
    $182

Providers Offering Plan G in Rhode Island

A total of 15 companies offer Plan G in Rhode Island, but not all provide online estimates. To help you find the insurer that fits your needs, MoneyGeek collected contact information for all Plan G providers in the state. We’ve also listed their pricing methods, so you’ll see which ones will likely cost more depending on your age.

Providers Offering Plan G in Rhode Island

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  • Company
    Contact Number
    Pricing Style
  • Aetna
    800-358-8749
    Attained Age
  • Americo
    888-220-7074
    Attained Age
  • Blue Cross Blue Shield of Rhode Island
    1-800-267-0439
    Attained Age
  • Cigna
    1-855-891-9368
    Attained Age
  • Colonial Penn
    1-877-877-8052
    Attained Age
  • Globe Life
    1-888-678-3403
    Attained Age
  • Humana
    1-800-457-4708
    Attained Age
  • Manhattan Life
    800-877-7703
    Attained Age

What Does Plan G Cover?

All Medigap policies are standardized and must include certain benefits. Plan G is no exception to this. However, note that Plan G does not include Part B deductibles and only covers 80% of foreign travel exchange within your plan limits.

Some insurers also include additional perks to their standard coverage. For instance, Blue Cross Blue Shield of Rhode Island offers gym discounts and foreign travel emergency care to its policyholders.

Required Benefits of Plan G in Rhode Island
  • Medigap Benefit
    Does Plan G Cover?
  • Part A co-insurance and hospital costs up to an additional 365 days after Medicare benefits are used up
    Yes
  • Part B co-insurance or copayment
    Yes
  • Blood (first 3 pints)
    Yes
  • Part A hospice care co-insurance or copayment
    Yes
  • Skilled nursing facility care co-insurance
    Yes
  • Part A deductible
    Yes
  • Part B deductible
    No
  • Part B excess charge
    Yes
  • Foreign travel exchange (up to plan limits)
    80%

Best Medicare Supplement Plan F in Rhode Island

Based on MoneyGeek’s analysis, Humana is the best provider of Medicare Supplement Plan F in Rhode Island. Its standard policies cost an average premium of $248.20 per month, but you can also opt for their high-deductible Plan F which is cheaper at $81.64 monthly.

MoneyGeek’s rankings are limited to companies that provide online quotes. It is possible that there are other insurers in Pennsylvania that might offer better rates and policies which were excluded in our analysis, so contact them directly.

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MoneyGeek Top Pick
Humana
  • MoneyGeek Score: 100 out of 100
  • Average Monthly Rate: $248.20

On average, Medigap Plan F costs $197.40 in Rhode Island, which makes Humana a more expensive option at $248.20 per month. A cheaper alternative is Humana’s high-deductible Plan F which only costs $81.64 per month.

Policyholders can look forward to many added benefits with Humana, such as SilverSneakers, a health and fitness program, and Well Dine, a meal service program for members recovering from an inpatient stay or those who have a chronic medical condition. The company also offers a Philips Lifeline medical alert system and hearing aid services. Several discounts, including household discounts and electronic payment discounts, are also available. Members can conveniently manage their accounts with the MyHumana mobile app and website.

MORE ABOUT PLAN F IN RHODE ISLAND

Navigate to learn more about Medigap Plan F in Rhode Island, including how much it costs on average, what providers are available and what it covers.

The Cost of Medicare Supplement Plan F in Rhode Island

A Medicare Supplement Plan F in Rhode Island has an average monthly premium of $197.40. However, your actual cost will depend on how old you were when you bought your plan, your current age, provider discounts and medical underwriting factors.

Premiums can vary widely depending on which insurer you bought a policy from. For example, in Rhode Island, Humana offers the cheapest Plan F for 75-year-olds at $164.90 per month, which is $132 cheaper than the most expensive plan offered by UnitedHealthcare at $297.80 monthly.

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  • Company
    Sample Monthly Rate
  • Aetna
    $139
  • Blue Cross Blue Shield of Rhode Island
    $154

Providers Offering Plan F in Rhode Island

A total of 15 companies provide Plan F policies in Rhode Island. However, not all display their quotes online.

MoneyGeek gathered contact information for all Plan F providers across the state to help you pick the insurer that is best suited for your needs. We also included their pricing schemes, so you’ll know which ones tend to charge more depending on your age.

Providers Offering Plan F in Rhode Island

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  • Company
    Contact Number
    Pricing Style
  • Aetna
    800-358-8749
    Attained Age
  • Americo
    888-220-7074
    Attained Age
  • Blue Cross Blue Shield of Rhode Island
    1-800-267-0439
    Attained Age
  • Cigna
    1-855-891-9368
    Attained Age
  • Colonial Penn
    1-877-877-8052
    Attained Age
  • Globe Life
    1-888-678-3403
    Attained Age
  • Humana
    1-800-457-4708
    Attained Age
  • Manhattan Life
    800-877-7703
    Attained Age

What Does Plan F Cover?

Plan F is a standardized plan, like most Medigap policies, which means that it must contain certain minimum benefits. Compared to other plans, Plan F is more comprehensive, however, it only covers 80% of foreign travel exchange within your plan’s limits.

Insurers may also include additional features on top of their usual benefits. For instance, Humana offers excellent perks, such as its health and fitness program called SilverSneakers and the Philips Lifeline medical alert system.

Required Benefits of Plan F in Rhode Island
  • Medigap Benefit
    Does Plan F Cover?
  • Part A co-insurance and hospital costs up to an additional year after Medicare benefits are used up
    Yes
  • Part B co-insurance or copayment
    Yes
  • Blood (first 3 pints)
    Yes
  • Part A hospice care co-insurance or copayment
    Yes
  • Skilled nursing facility care co-insurance
    Yes
  • Part A deductible
    Yes
  • Part B deductible
    Yes
  • Part B excess charge
    Yes
  • Foreign travel exchange (up to plan limits)
    80%

Best Medicare Supplement Plan N in Rhode Island

The best option for seniors who are searching for the best Medicare Supplement Plan N in Rhode Island is UnitedHealthcare, with monthly premiums averaging $109.64.

We based our analysis on online estimates provided by companies, so not all insurers were included. You might find better rates and policy offerings from other companies that do not give quotes online and must be contacted by phone or email.

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MoneyGeek Top Pick
UnitedHealthcare
  • MoneyGeek Score: 100 out of 100
  • Average Monthly Rate: $109.64

Compared to the $141.70 average cost of Medicare Plan N in Rhode Island, UnitedHealthcare’s Plan N is $32 cheaper and includes many additional benefits.

These include discounts for dental, vision and hearing care. Members can also speak with a nurse any time, day or night, by calling UnitedHealthcare’s hotline at 1-866-705-9767 or the NurseLine directly at 1-877-861-3861.

MORE ABOUT PLAN N IN RHODE ISLAND

Navigate to learn more about Medigap Plan N in Rhode Island, including how much it costs on average, what providers are available and what it covers.

The Cost of Medicare Supplement Plan N in Rhode Island

The monthly premium of Medicare Supplement Plan N in Rhode Island averages $141.70, but this rate can change depending on how old you were when you purchased your policy, your current age and other factors related to your insurer.

A 65-year-old in Rhode Island will find the cheapest Plan N policies from Blue Cross Blue Shield of Rhode Island and UnitedHealthcare at $109.80 and $109.60, respectively. This is almost $16 cheaper than the most expensive option, Aetna, with plans costing $125.40 per month.

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  • Company
    Sample Monthly Rate
  • UnitedHealthcare
    $110
  • Blue Cross Blue Shield of Rhode Island
    $110
  • Aetna
    $125

Providers Offering Plan N in Rhode Island

You can choose from among 15 Plan N providers in Rhode Island. Only some of these companies provide online estimates, but you can contact them directly for more information. To make the process easier for you, MoneyGeek compiled companies’ contact information and pricing methods.

Providers Offering Plan N in Rhode Island

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  • Company
    Contact Number
    Pricing Style
  • Aetna
    800-358-8749
    Attained Age
  • Americo
    888-220-7074
    Attained Age
  • Blue Cross Blue Shield of Rhode Island
    1-800-267-0439
    Attained Age
  • Cigna
    1-855-891-9368
    Attained Age
  • Colonial Penn
    1-877-877-8052
    Attained Age
  • Globe Life
    1-888-678-3403
    Attained Age
  • Humana
    1-800-457-4708
    Attained Age
  • Manhattan Life
    800-877-7703
    Attained Age

What Does Plan N Cover?

Medigap policies are standardized and must contain the minimum required benefits. Rhode Island’s Plan N is no exception. But note that Plan N excludes Part B deductibles and Part B excess charges, and only partially covers 80% of foreign travel exchange up to your plan’s limits.

The good news is that most providers include additional benefits in their standard offerings. For instance, UnitedHealthcare’s Plan N provides dental, vision and hearing discounts, as well as foreign travel emergency care and a 24/7 nurse line that can be accessed at 1-877-861-3861.

Required Benefits of Plan N in Rhode Island
  • Medigap Benefit
    Does Plan N Cover?
  • Part A co-insurance and hospital costs up to an additional year after Medicare benefits are used up
    Yes
  • Part B co-insurance or copayment
    Yes
  • Blood (first 3 pints)
    Yes
  • Part A hospice care co-insurance or copayment
    Yes
  • Skilled nursing facility care co-insurance
    Yes
  • Part A deductible
    Yes
  • Part B deductible
    No
  • Part B excess charge
    No
  • Foreign travel exchange (up to plan limits)
    80%

Best Medicare Supplement Plans in Rhode Island: Other Plan Types

There are other Medicare Supplement Plan types that are available in Rhode Island, but fewer people buy these plans because they offer less comprehensive coverage.

Based on MoneyGeek’s analysis focusing on affordability and coverage, Humana ranks as the best provider for Plan C, while UnitedHealthcare is the best for Plans A, B, K and L.

Our rankings were limited to the following companies which provided online quotes: Blue Cross Blue Shield of Rhode Island, UnitedHealthcare, Humana and Aetna.

Note that seniors who first became eligible for Medicare after January 1, 2020, won't be able to buy Plan C in Rhode Island or elsewhere.

The Best Medicare Supplement in Rhode Island - Alternate Plans
  • Plan Type
    Best Plan
    Monthly Cost
  • A

    UnitedHealthcare

    $90.12

  • B

    UnitedHealthcare

    $137.09

  • C

    Humana

    $243.28

  • F

    Humana

    $248.20

  • G

    Blue Cross Blue Shield of Rhode Island

    $130.43

  • K

    UnitedHealthcare

    $51.54

  • L

    UnitedHealthcare

    $93.02

  • N

    UnitedHealthcare

    $109.64

How to Find the Best Medicare Supplement Plans in Rhode Island

Finding the right Medicare Supplement Plan for you may seem intimidating, as plan information is often complex and difficult to understand. MoneyGeek’s comparison chart will help you narrow down your choices by providing plan types and corresponding pricing information from various Medicare Supplement Plan providers in Rhode Island.

Rhode Island Medicare Supplement Plans Comparison Chart

Medigap plans differ in terms of coverage level and availability. Some plans fully or partially cover coinsurance and deductibles. Certain plans will only be available to you depending on the date when you became eligible for Medicare.

For instance, whereas Plan F and Plan C tend to offer the most comprehensive coverages, these are no longer available to new enrollees because they have been replaced by Plan G and Plan D.

Use the chart below to compare coverages and average rates across various Medicare Supplement Plans in Rhode Island.

Medicare Supplement Comparison Chart
Coverage
A
B
C
D
F
G
K
L
M
N

Part A co-insurance and hospital costs up to an additional 365 days after Medicare benefits are used up

Yes

Yes

Yes

Yes

Yes

Yes

Yes

Yes

Yes

Yes

Part B co-insurance 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 co-insurance or copayment

Yes

Yes

Yes

Yes

Yes

Yes

50%

75%

Yes

Yes

Skilled nursing facility care co-insurance

No

No

Yes

Yes

Yes

Yes

50%

75%

Yes

Yes

Part A deductible

No

Yes

Yes

Yes

Yes

Yes

50%

75%

50%

Yes

Part B deductible

No

No

Yes

No

Yes

No

No

No

No

No

Part B excess charge

No

No

No

No

Yes

Yes

No

No

No

No

Foreign travel exchange (up to plan limits)

No

No

80%

80%

80%

80%

No

No

80%

80%

The Cost of Medicare Supplement Plans in Rhode Island

The cost of a Medigap policy can differ greatly depending on the plan type and company.

In Rhode Island, Humana is the most affordable provider for Plan C, Plan F and Plan G. For the remaining letter plans, including Plan N, you will find the cheapest rates from UnitedHealthcare.

Rates can also vary based on the pricing style of your Medigap provider. Insurers typically use one of three pricing styles:

  • Attained-Age: Your rate is based on your current age, resulting in more expensive premiums as you get older. This is the most common pricing style in Rhode Island.
  • Issue-Age: Your provider will base your rates on your age when you buy your Medigap policy, which means that your premiums will be lower if you bought your policy at a younger age.
  • Community-Rated: All policyholders of a plan type pay the same monthly premiums, regardless of the insured’s age. This is the least common pricing scheme in Rhode Island.
Average Cost of Medicare Supplement in Rhode Island

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  • Company
    Sample Monthly Rate
  • UnitedHealthcare
    $90
  • Humana
    $131
  • Aetna
    $160
  • Blue Cross Blue Shield of Rhode Island
    $189

FAQs About Medicare Supplement Plans in Rhode Island

Here are MoneyGeek’s answers to some of the most commonly asked questions about Medicare Supplement plans in Rhode Island.

Methodology

MoneyGeek collected data from the biggest Medicare Supplement/Medigap providers in Rhode Island for 65-year-olds and 75-year-olds. Plans were only rated as one of the best if we could obtain an accurate quote from the provider online.

MoneyGeek’s scoring system weighted affordability 75% and benefits 25%. A Medigap provider received 5% for every benefit, up to a maximum of 25%.

About the Author


expert-profile

Mark Fitzpatrick is a senior content manager with MoneyGeek specializing in insurance. Mark has years of experience analyzing the insurance market and creating original research and content. He graduated from Boston College with a Bachelor of Arts and Johns Hopkins University with a Master of Arts.


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