Medicare Supplement Plans in Rhode Island

There are ten Medicare Supplement plan options available in Rhode Island.  These plans can help fill the gaps in your Original Medicare coverage and cover costs including copayments, coinsurances, and deductibles.

• Of the ten plans offered in 2023, we've found that Cigna has the best price for Medicare Supplement Plan G at $136.55 monthly for the most comprehensive coverage.‍
• Cigna offers the best price for Medicare Supplement Plan N at $88.05 monthly, for those that want the best value without compromising coverage.
• The best low cost option is High Deductible Plan G from Mutual of Omaha at $36.75 monthly. A deductible of $2,700 needs to be met before this plan will cover costs.

Below is a brief overview of the most popular plans combined with the company that provides the best rate.

What's the Best Medicare Supplement Company in Rhode Island?

Based on our review of several key factors, Cigna is the best Medicare Supplement company in Rhode Island.

While Cigna Medigap plans tend to be more affordable in Rhode Island, it's not the only factor when selecting the best Medicare Supplement company. For example, depending on your plan letter of choice, one provider might offer Plan N at a lower cost but may be pricier for Plan G; every insurer has its own set of advantages and drawbacks depending on their levels of coverage. For this reason, Cigna remains our top selection during the review process due to its affordability, expansive range of plan choices, household premium discounts, and high customer satisfaction rates.

This chart compares different Medicare Supplement companies to Cigna that are also available in Rhode Island, including sample premiums, ratings, and market share:

For illustrative purposes only: The premiums listed are for a 65-year-old female, non-smoker from a local zip code. Many insurance companies offer household discounts - eligibility for premium discounts can be determined when enrolling in a plan. The AM Best rating determines the financial rating of each carrier. No warranties or guarantees of any kind have been expressed.

How Much Does a Medigap Plan Cost in Rhode Island?

The best price for Medicare Supplement Plan G in Rhode Island is $109.24 per month with Cigna.

Your age and plan choice will have the most significant impact on your premium.

Here you can see how the prices compare for several different plans:

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.

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

Since Medicare can be complex and 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 a place that has more plans to choose from.

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 month and choose the one you want to keep.

Suppose you have a Medicare Select policy in addition to Original Medicare and move to a location outside the Select policy's service area. In that case, you can choose a new Medicare Supplement plan.

Can I Be Denied Medigap Coverage?

During your Medigap Open Enrollment Period, you cannot be denied coverage. You cannot be denied. In addition, if you have a guaranteed issue right due to unavoidable circumstances (some described above).

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

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 some of the nation's top-rated Medigap carriers. So 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.