Rhode Island Medicare has around 224,000 beneficiaries, with about 131,000 original Medicare enrollees and 93,000 beneficiaries with Medicare Advantage plans.

Original Medicare, also called fee-for-service (FFS) Medicare, is a federal healthcare system that offers plans through private insurers to help beneficiaries pay for hospital visits, nursing home care, hospice care, and other health-related expenses.

Rhode Island Medicare: Facts and Figures

  • Approximately 94,000 Rhode Islanders have Medicare Part A and B.
  • Among these beneficiaries, about 80,000 aged in.
  • Roughly 14,000 have Medicare Part A and Part B due to disabilities.
  • Around 93,000 Rhode Island Medicare enrollees have Medicare Advantage plans.
  • About 169,000 Rhode Islanders are enrolled in Medicare Part D.

Medicare Costs in Rhode Island for 2023

Medicare Part A provides coverage for primary hospital and inpatient services like any other health insurance. Unlike traditional health insurance, Part A plans don’t include monthly premiums. Medicare Part B plans cover coinsurance and outpatient costs for a monthly premium but with a lower deductible than Part A plans.

Coverage costs for Medicare Part A and Part B are the same across all 50 states.

Medicare Part A Costs in 2023 Medicare Part B Costs in 2023
  • Part A is premium-free for most
  • Part A deductible is $1,600 per benefit period
  • Inpatient hospital stay days 61-90 is $400
  • The standard Part B premium is $164.90
  • The annual deductible for Part B is $226
  • Medicare pays 80%, you pay 20% out-of-pocket

Original Medicare Coverage

Original Medicare includes coverage through Part A and Part B. Around 120,000 Rhode Island Medicare beneficiaries are enrolled in Part A or B.

Because the federal government creates standards for Medicare coverage, plans across the country offer the same benefits.

Medicare Part A (Hospital Coverage)

  • Inpatient care in hospitals
  • Skilled nursing facility care
  • Hospice care
  • Home health care
Medicare Part B (Medical Insurance)

  • Services from doctors and health providers
  • Outpatient care
  • Home health care
  • Durable medical equipment
  • Some preventive services

Supplemental Medicare Plans in Rhode Island

Many Rhode Islanders enroll in Supplemental Medicare plans to help with expenses not covered by Parts A and B. You have many options available for supplemental coverage if you need help paying for out-of-pocket costs, prescriptions, or other expenses.

Medicare Advantage

Medicare Part C, also called Medicare Advantage, provides all the coverage of a standard plan plus benefits like gym memberships and vision coverage. Rhode Island Medicare Advantage plans also limit your out-of-pocket costs by setting maximum out-of-pocket (MOOP) limits.

Part D

Many Medicare beneficiaries in need of prescription drug coverage enroll in Medicare Part D. This Medicare plan provides drug coverage for a monthly premium.

Medicare Part D separates drugs into tiers, so you must ensure your plan covers the level at which your prescription drugs land. For example, only 5% of Part D plans provide Tier 6 drug coverage.

Medicare Supplements

Medigap plans, also called Medicare Supplement plans, offer 10 letter plans with differing coverage styles. The most popular Medicare Supplement plans are Plan C and Plan F.

While the costs of Medicare Parts A and B remain fixed regardless of where you live, insurance companies base the rates for these supplemental plans on many factors. For example, location, age, and gender can affect plan premiums. To find the best rates, compare quotes from multiple insurance companies offering plans in your area.

Rhode Island Medicare Resources

You have access to many resources to assist you with your Medicare plans:

Finally, if you need help finding the best Rhode Island Medicare plan for your situation, let us help.

FAQs

What are the four parts of Medicare in Rhode Island?

The four parts of Rhode Island Medicare are Medicare Parts A, B, C, and D. Part A covers hospital visits, and Part B covers medical checkups and outpatient care. Part C provides an alternative Medicare solution with coverage equal to or better than Parts A and B, and Part D covers prescription drugs.

Who is eligible for Medicare in Rhode Island?

You become eligible for Rhode Island Medicare three months before your 65th birthday, but you may become eligible sooner. Medicare offers coverage to people under 65 if they have a disability, Lou Gehrig’s disease, or end-stage renal disease.

Do you automatically get Medicare with Social Security in Rhode Island?

Yes. The Social Security Administration (SSA) automatically enrolls Social Security beneficiaries in Medicare when they turn 65.

You’ll receive the paperwork necessary for signing up from the SSA three months before you turn 65, marking the start of your Medicare Open Enrollment Period.

How can I avoid paying Medicare premiums in Rhode Island?

You can avoid paying a premium for Medicare Part B by having it automatically deducted from your Social Security. Doing this protects you against rising premiums via the hold-harmless provision.

With this provision, you’ll not be responsible for paying the extra costs if an annual premium increase exceeds that year’s cost-of-living adjustments on your Social Security.

You can also save on your premiums by signing up during Open Enrollment or get help paying for premiums through Medicare Savings Programs.

Is Medicare based on your income in Rhode Island?

Yes. Medicare Part B premiums increase for beneficiaries with incomes above the higher-income threshold.

Part B enrollees with incomes lower than the threshold pay a monthly premium of $170. In contrast, those making more than $91,000 (as an individual taxpayer) pay a higher monthly premium with a $578 maximum.

How To Sign Up for Supplemental Medicare in Rhode Island

Are you in your Open Enrollment Period? To sign up for Rhode Island Medicare, compare plans from many insurance providers to find the plan that best suits your coverage needs and budget.

The tools and experts here at Medigap.com can help you find the best Medicare plan by providing rate quotes from every carrier in your area and recommending the most suitable options for your situation. Our licensed insurance agents can answer all of your questions.

Call us for quotes today, or fill out our online rate form to start comparing rates now.

Written By:
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Lindsay Malzone, Lindsay Malzone is the Medicare editor for Medigap.com. She's been contributing to many well-known publications since 2017. Her passion is educating Medicare beneficiaries on all their supplemental Medicare options so they can make an informed decision on their healthcare coverage.
Reviewed By:
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Rodolfo Marrero, Rodolfo Marrero is one of the co-founders at Medigap.com. He has been helping consumers find the right coverage since the site was founded in 2013. Rodolfo is a licensed insurance agent that works hand-in-hand with the team to ensure the accuracy of the content.