If you’re 65 or older, you may have Medicare to help you with medical costs. Many people with Pawtucket, Rhode Island Medicare rely on Supplemental Medicare plans to assist them should Medicare not fully cover their medical bills.

These plans help cover everything from preventative care to in-patient hospital stays, making them beneficial to any Medicare patient in Pawtucket, Rhode Island.

Supplemental Medicare Plans in Pawtucket, Rhode Island

Understanding the various supplemental Medicare plans available is essential to making the best choice for you and your health. To make that choice, you’ll need to know who offers the plans and what each may cost.

Below are some examples of Supplemental Medicare plans based on 70-year-old women in Pawtucket, RI.

Cheapest Medicare Advantage Plans in Pawtucket, Rhode Island

Medicare patients are increasingly enrolling in Medicare Advantage plans. These Supplemental Medicare plans are available through multiple insurance carriers. There are 24 Medicare Advantage plans available to Pawtucket, RI residents.

BlueCross BlueShield (BCBS) of Rhode Island is one of the most common Medicare Advantage plans in Pawtucket, RI. This 5-star insurance requires no monthly premium and offers the choice of an HMO or HMOPOS.

With the HMO, you’re limited to in-network medical care with a $3,500 MOOP (maximum out-of-pocket) rate. The HMOPOS partially covers out-of-network medical care but carries a $5,000 MOOP.

Aetna is another popular Medicare Advantage plan. This local PPO has a 3-star rating and includes a $5,900 MOOP. Aetna is nationally-recognized insurance, much like BCBS, and is a popular choice for those who travel.

Commonwealth Medicare Advantage plans are favorites among Pawtucket, RI, residents. This insurance company only serves four states, including Rhode Island. Commonwealth has a $4,500 MOOP and includes benefits such as a free identity protection plan.

PLAN PREMIUM MOOP Plan Type Star Rating
Aetna $0 $5,900 LOCAL PPO 3
Wellcare $0 $5,500 LOCAL PPO N/A
Commonwealth $0 $4,500 LOCAL PPO N/A
BCBS of Rhode Island $0 $3,500 HMO 5
BCBS of Rhode Island $0 $5,000 HMOPOS 5

Average Medicare Supplement Plans in Pawtucket, Rhode Island

If you have both Medicare Parts A and B (hospital and medical insurance), you’re eligible to take advantage of Medigap. Medigap is a Medicare Supplement Plan with standard coverage throughout the country. While the benefits don’t change, Medigap plans depend upon your eligibility. Each plan has a different premium.

The most common Medigap plan is Plan G. Plan G covers more gaps in your Medicare coverage than other Medigap plans while requiring low out-of-pocket payments. Qualifying for this plan is difficult if you’re applying outside the Open Enrollment Period, so learn when to apply to take advantage of Medigap Plan G.

Medigap Plan N is a good option if you want to save on your premium but want coverage in case of hospitalization. You’ll need to pay co-pays on medical costs, and Plan N won’t cover most Plan B procedures. Travelers prefer to use Plan N because it may cover up to 80% of foreign emergency medical care.

If you’re looking for a plan with the lowest premiums, Medigap Plan HDF is your best option. This plan has a high deductible that you’ll need to meet before it begins covering gaps in your Medicare coverage. Once you meet that deductible, Medigap Plan HDF covers 100% of your remaining medical charges.

LETTER PLAN LOWEST PREMIUM HIGHEST PREMIUM
PLAN A $86.60 $368.95
PLAN B $133.00 $300.25
PLAN C $159.80 $360.25
PLAN D $165.20 $254.00
PLAN F $160.64 $375.95
PLAN HDF $38.00 $77.26
PLAN G $135.68 $347.35
PLAN HDG $38.00 $56.02
PLAN K $48.75 $121.00
PLAN L $89.62 $212.31
PLAN M $147.41 $274.62
PLAN N $106.03 $267.28

Affordable Medicare Part D in Pawtucket, Rhode Island

Medigap plans don’t cover prescription medications, so if you have the necessary medicines, consider a Medicare Part D plan. Medicare Part D isn’t part of Medicare A and B plans, so you must apply for it separately. If you’re not happy with Medicare Part D, some Medicare Advantage plans offer prescription coverage.

UnitedHealthcare offers a 4-star Medicare Advantage plan for medication coverage. It comes with an attractively low deductible, though the premium may be higher than other insurance offers. UnitedHealthcare can help you determine which plan covers your prescriptions, as not all plans cover all medications.

While the deductible is higher than other Part D plans, Humana is also rated 4-stars for their Medicare Advantage plans. Depending on which medications you require, you can choose different levels of Humana Medicare Advantage plans. Humana Medicare Advantage plans work with all Walmart pharmacies for your convenience.

Aetna offers Medicare Advantage plans for your prescriptions if you’re interested in a low premium. Premiums start as low as $7.40, and Aetna offers higher-premium plans to meet your needs. The lowest tier is popular because you’ll still have $0 co-pays even with the lowest premium.

PLAN PREMIUM DEDUCTIBLE STAR RATING
Aetna $7.40 $480 3
Wellcare $13.00 $480 3
Humana $22.70 $480 4
UnitedHealthcare $29.30 $310 4
Cigna $32.10 $480 3

Medicare Special Needs Plans in Pawtucket, Rhode Island

If you need help with chronic disabilities or other special needs, a Medicare Special Needs Plan (SNP) is necessary. These plans are separate Medicare Advantage plans only available to eligible individuals. SNPs aren’t available everywhere but are crucial for anyone with disabilities.

Wellcare is a local PPO with a $0 premium. The MOOP for this insurance is only $3,450, making it one of the more affordable plans. Wellcare offers dual eligibility, making it useful for Medicare A and B coverage gaps.

Another dual eligibility SNP is under BCBS of Rhode Island. BCBS is an HMO insurance recognized nationally, making it useful for travelers. It carries a $0 premium.

For the lowest MOOP, UnitedHealthcare offers a local PPO SNP that requires only $1,800. Though it does have a $36.30 premium, this is because it’s only eligible for institutional use. This SNP is best for patients that require more than 90 days in a long-term care facility.

PLAN PREMIUM MOOP Plan Type Eligibility
UnitedHealthcare $0 $7,550 HMO Dual
Wellcare $0 $3,450 LOCAL PPO Dual
BCBS of Rhode Island $0 $3,450 HMO Dual
Commonwealth $0 $7,550 HMO Dual
UnitedHealthcare $36.30 $1,800 LOCAL PPO Institutional

FAQs

What does Medicare Part D pay for in Pawtucket, RI?

Medicare Part D pays for partial or complete prices of prescription medications for Pawtucket, RI residents. Medicare and Medigap don’t cover prescriptions, so Medicare Part D is necessary if you take medications.

21 Medicare Part D prescription coverage options are available in Rhode Island.

Does Medigap cover all costs in Pawtucket, RI?

No, Medigap won’t cover all leftover costs from Medicare in Pawtucket, RI. However, certain Medigap plans cover more than others, so choosing the right plan for your health is essential.

Who is eligible for Medicare in Pawtucket, RI?

Medicare is available for Pawtucket, RI, residents aged 65 or older or younger who suffer from certain mental or physical ailments.

Medicare Part A is available for most people over 65 at no cost, while Medicare Part B requires a premium.

Can I switch from Original Medicare to Medicare Advantage in Pawtucket, RI?

If you wish to switch to Medicare Advantage in Pawtucket, RI, you need to make the change during the Medicare Annual Enrollment Period.

Medicare Advantage may offer features such as an all-in-one insurance plan and prescription coverage.

How are Medigap rates determined in Pawtucket, RI?

Medigap rates differ depending on your chosen Rhode Island Medigap plan. Plans vary according to community-wide pricing, the age at which you apply for your Medigap Plan, or may carry price increases as you age.

How to Sign Up for Supplemental Medicare in Pawtucket

Are you looking for Pawtucket, Rhode Island Supplemental Medicare Plans? Enjoy our free assistance in finding the right plan for you.

We’ll help you compare plans depending on your unique situation and ensure you stay within your budget.

Call us today or fill out our online rate form to receive the best rates in your area.

Written By:
Picture of the author
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:
Picture of the expert
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.