USAA provides Rhode Island's best Plan G rate at $148 monthly, AFLAC has the cheapest Plan N at $123 monthly and Humana offers the best Plan F rate at $182 monthly. Your best rate depends on your age, plan type and pricing style preference.
Best Medicare Supplement Plans in Rhode Island (2026)
Updated: January 12, 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 rates run 28% below the state average through USAA in Rhode Island, with Humana and Transamerica providing competitive options.
| 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
In Rhode Island, Plan F costs $182 to $212 monthly based on pricing style and deductible options. Humana offers the cheapest Plan F at $182 monthly, 27% below average. USAA ($183 monthly) and Aetna ($205 monthly) provide competitive rates, saving residents hundreds each year.
| 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
In Rhode Island, Plan N costs $123 to $138 monthly based on pricing style. AFLAC offers the cheapest Plan N rate in Rhode Island at $123 per month, saving residents about $420 annually. Mutual of Omaha ($125 monthly) and Aetna ($131 monthly) provide competitive rates.
| 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
Finding your best Medicare Supplement plan depends on age and plan type. The filterable table below lets you compare rates.
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
In Rhode Island, Medicare Supplement insurance costs average $195 monthly for 65-year-olds, from $94 to $273 across 10 standardized plan types. Plan K costs the least at $94 monthly while Plan F costs the most at $273.
The most popular plans (Plan G, Plan F and Plan N) average $234, $273 and $181 monthly. Annual costs range from $1,128 to $3,276, and your actual premium depends on provider, age and insurer's pricing style.
| 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
After choosing your plan type, you'll want to compare providers in Rhode Island. Look for these key factors when evaluating Medicare Supplement companies.
- 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 seeking help with Medicare coverage and plan selection can access multiple resources that provide free state and federal assistance.
- The Rhode Island State Health Insurance Assistance Program (SHIP): Trained volunteers offer unbiased guidance through free, confidential individual counseling sessions. They help Ocean State seniors understand Medicare, compare Medicare Supplement and Medicare Advantage plans, review Part D prescription coverage and avoid insurance fraud.
- Rhode Island Department of Business Regulation: Publishes rate comparisons for Medicare Supplement plans and operates a helpline to assist with insurance questions and complaints. The department offers consumer protection services and helps seniors identify and report insurance scams.
- Rhode Island Division of Elderly Affairs: Serves older adults by coordinating programs and services that include Medicare enrollment assistance and benefits counseling. The division provides access to local community resources for seniors and caregivers throughout the state.
- Medicare.gov: The official federal Medicare website offers comprehensive information on all Medicare options, including a plan finder tool to compare Medicare Supplement, Medicare Advantage and Part D plans in your ZIP code.
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.