Of the over 57 million Part A and B Medicare beneficiaries, 229,838 live in Providence, Rhode Island. 55.31% of beneficiaries are female, and the remaining 44.69% are male.

Understanding your options for Providence, Rhode Island Supplemental Medicare plans is crucial because even with Medicare Parts A and B, not all of your medical costs are covered.

Supplemental Medicare Plans in Providence, Rhode Island

Supplemental Medicare plans are available through multiple insurance companies. Each plan is different, so you should choose one that best fits your medical needs. We’ll look at information for some of these plans below based on quotes for 70-year-old men in Providence, RI.

Cheapest Medicare Advantage Plans in Providence, Rhode Island

118,261 Providence, RI Medicare patients have Medicare Advantage plans. With 24 Medicare Advantage plans available in Providence, it makes sense to add your own to cover gaps in your medical bills.

Many Rhode Island residents enjoy Commonwealth’s Medicare Advantage plan. This Local PPO plan offers $4,500 MOOP (maximum-out-of-pocket) and only serves four states, including Rhode Island. This plan has a $0 premium.

BlueCross BlueShield (BCBS) of Rhode Island also carries a $0 premium. BCBS of Rhode Island is a 5-star HMO. The MOOP for this plan is only $3,500, making it one of the most affordable options for Providence, RI, Medicare patients.

Aetna offers a $0 premium Medicare Advantage plan if you prefer a nationally-recognized insurance company. Patients under Aetna’s Medicare Advantage plan have a $5,900 MOOP. This local PPO has a 3-star rating.

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

Learn more about the Medicare star rating system for Part C and D Medicare Supplement plans.

Average Medicare Supplement Plans in Providence, RI

Medicare Supplement plans are not the same as Medigap plans, although the terms seem interchangeable since they both cover medical costs not covered by Medicare. Medigap plans are nationally-recognized and carry the same benefits from state to state, depending on your chosen plan. These plans require a premium that varies based on eligibility and medical coverage.

Plan HDF is a budget-friendly Medigap plan. Premiums start as low as $43, and the highest premium is $85.76. The premium is so low because your deductible is higher, but once you meet it, Medigap Plan HDF will cover 100% of what Medicare doesn’t cover.

If you prefer to have more coverage for gaps in your Medicare but still want to keep your premium low, Plan K is the perfect balancing act. Plan K offers premiums as low as $56.29 and as high as $139 while still covering at least 50% on a good amount of medical costs leftover from Medicare. However, it doesn’t cover Part B deductible or excess charges.

The most popular Medigap plan is Plan G. While premiums range from $153.68 to $399.20, this plan covers more gaps in your Medicare coverage than other plans. However, since 2020, it won’t cover your Medicare Part B deductible or prescription drugs.

LETTER PLAN LOWEST PREMIUM HIGHEST PREMIUM
PLAN A $99.84 $409.85
PLAN B $153.10 $345.25
PLAN C $183.92 $414.25
PLAN D $183.45 $291.00
PLAN F $181.05 $417.62
PLAN HDF $43.00 $85.76
PLAN G $153.68 $399.20
PLAN HDG $43.00 $62.14
PLAN K $56.29 $139.00
PLAN L $103.35 $235.83
PLAN M $164.42 $305.04
PLAN N $118.25 $307.36

Find out if Medigap is a better option for you than other Providence, Rhode Island Supplemental Medicare Advantage plans.

Affordable Medicare Part D in Providence, RI

You’ll need a Medicare Part D plan if you rely on prescription medicine. These plans are not included in Medicare A and B or Medigap, though some Medicare Advantage plans will offer prescription coverage.

With premiums as low as $7.40, Aetna Medicare Advantage plans are an excellent option for prescription coverage. Aetna Medicare Advantage plans have a 3-star rating and have a $480 deductible. Prescriptions with Aetna Medicare Advantage plans often have a $0 co-pay.

UnitedHealthcare offers a lower deductible of $310. This 4-star Medicare Advantage plan starts with premiums as low as $29.30. Multiple tiers make it easy to find the right one for your prescription needs.

Another 4-star Medicare Advantage plan option is Humana. Humana plans start with premiums as low as $22.70. If you get your prescriptions from Walmart, your Humana Advantage plans will cover them.

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 Providence, Rhode Island

Medicare Special Needs Plans (SNPs) in Providence, RI, cover healthcare costs associated with chronic disabilities or special needs. SNPs aren’t available in every state, but in Rhode Island, you can benefit from this subtype of Medicare Advantage plans.

UnitedHealthcare offers an SNP with a low MOOP of $1,800. This local PPO is only usable by patients requiring long-term facility care. Premiums for UnitedHealthcare SNPs start at $36.30.

The BCBS of Rhode Island SNP is an HMO plan. Dual eligibility makes this plan handy for anyone with special needs or chronic disabilities. With the slightly higher MOOP of $3,450, BCBS of Rhode Island offers a $0 premium for their SNP.

Another affordable SNP option is from Wellcare. Wellcare’s Local PPO SNP also has a $3,450 MOOP. There is no premium required for this SNP option.

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

How do I apply for Medicare in Providence, Rhode Island?

When you turn 65, you’ll enter Medicare’s Initial Enrollment Period (IEP). Call the Providence, RI Social Security Administration office and provide them with your social security number, original or copy of your birth certificate, and the past two years’ worth of W-2 records to get started.

What does Medicare Part A cover in Providence, Rhode Island?

Medicare Part A in Providence, RI, covers inpatient or in-home medical costs. This includes nursing home care, overnight hospital stays, and hospice care.

Who is eligible for Medicare Advantage in Providence, RI?

Some younger adults can receive Medicare Advantage if they have a qualifying mental or physical disability. Otherwise, you’ll be eligible for Medicare Advantage in Providence, RI, at age 65.

What drugs are covered by Medicare Part D in Providence, Rhode Island?

The medications covered by Medicare Part D in Providence, RI, depend on your chosen plan. Some prescription drugs covered by Medicare Part D, regardless of the plan, include antidepressants, immunosuppressants, and anticancer medications not covered by Medicare Part B.

Can I have more than one Medigap plan simultaneously in Providence, RI?

You’re only allowed to have one Medigap plan at a time in Providence, RI. This isn’t a restriction by the Medigap companies but a U.S. law.

How to Sign Up for Supplemental Medicare in Providence

If you’re considering Providence, Rhode Island Supplemental Medicare plans, you’ve come to the right place!

We offer free services to help you find the right plan for you and your budget, and our agents work with all Supplemental Medicare carriers.

Call us today to learn more or fill out our online rate form for more information on Supplemental Medicare in Providence, RI.

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by Lindsay Malzone, Lindsay Malzone is the Medicare expert for Medigap.com. She's been contributing to many well-known publications as an industry expert 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.