Out of the 16,038 seniors living in Warwick, Rhode Island, a little less than half lack access to adequate healthcare. Even for seniors with Warwick, Rhode Island Medicare, a significant portion finds it challenging to keep up with medical costs and out-of-pocket payments.

Supplemental Medicare Plans in Warwick, Rhode Island

Private insurance companies offer supplemental Medicare plans that provide Warwick residents with additional coverage on top of Medicare. Supplemental plans bridge the coverage gap by helping seniors pay for medical expenses that Medicare does not.

To show the average cost of different supplemental plans, we’ve calculated the following rates for a woman aged 65 living in Warwick, RI.

Average Medicare Advantage Plans in Warwick, Rhode Island

Currently, there are 24 Medicare Advantage plans available to Warwick residents. This gives seniors a range of options to consider. We’ve outlined each carrier’s plan’s premium, maximum out-of-pocket payments (MOOP), plan type, and star rating.

For a plan with the lowest out-of-pocket payments, Commonwealth offers a MOOP of $4,500. This insurance company only serves four states, including Rhode Island. Commonwealth includes benefits such as a free identity protection plan.

The next lowest MOOP is BCBS of Rhode Island’s HMO plan. In addition to its low MOOP of $5,000, the plan also comes with a 5-star rating. Blue Cross Blue Shield of Rhode Island is a local health insurance provider with a five-star CMS rating. However, this plan doesn’t cover prescriptions.

Aetna’s Local PPO plan offers the next lowest MOOP of $5,900 and comes with a 3-star rating. Aetna is nationally-recognized insurance, much like BCBS, and is a popular choice for those who travel. It also offers a $0 deductible for in-network medical care.

PLAN PREMIUM MOOP Plan Type Star Rating
BCBS of Rhode Island $0 $5,000 HMO 5
UnitedHealthcare $0 $5,900 LOCAL PPO 3
Wellcare $0 $7,550 LOCAL PPO N/A
Commonwealth $0 $4,500 LOCAL PPO N/A
Aetna $0 $5,900 LOCAL PPO 3

Knowing the difference between HMO and PPO plans can help you choose a plan with the right benefits for yourself.

Cheapest Medicare Supplement Plans in Warwick, Rhode Island

Instead of replacing your Original Medicare policy, Medigap and Medicare Supplement plans provide additional coverage on top of your Medicare policy. The federal government regulates Medigap, ensuring that benefits for each plan remain consistent between carriers and states. However, premiums do vary between insurance companies.

Medigap Plan G remains one of the most popular options for patients. The plan’s premium ranges from $123.35 to $347.35. One of its key benefits is that it provides coverage for coinsurance and copays.

Plan HDG, which stands for High-Deductible Plan G, provides similar benefits to Plan G but includes a monthly deductible. The premium for Plan HDG ranges from $29 to $46.40.

Medigap Plan F provides broad coverage for out-of-pocket payments. Premiums for Plan F fall between $132.21 and $362.12. With zero cost-sharing, this is a great plan for those who don’t mind high premiums that come with peace of mind.

LETTER PLAN LOWEST PREMIUM HIGHEST PREMIUM
PLAN A $78.67 $302.08
PLAN B $120.91 $300.25
PLAN C $145.31 $360.25
PLAN D $127.97 $204.65
PLAN F $132.21 $362.12
PLAN HDF $29.00 $70.75
PLAN G $123.35 $347.35
PLAN HDG $29.00 $46.40
PLAN K $44.20 $111.62
PLAN L $81.41 $203.12
PLAN M $117.26 $221.61
PLAN N $85.49 $267.28

Are you wondering what determines the cost of Medigap? Certain factors in your life can contribute to your rate.

Affordable Medicare Part D in Warwick, Rhode Island

No Medigap plans provide prescription coverage, and only a handful of Medicare Advantage plans do. Part D plans offer stand-alone prescription coverage compensating for gaps in Warwick, Rhode Island, Medicare policies.

Aetna’s Plan D offering costs a monthly premium of $7.40 and comes with a $480 deductible. Aetna also 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.

Wellcare’s plan has a slightly higher premium of $13 per month and the same deductible amount of $480. This plan has a 3-star rating. The deductible drops to $0 for Tier 1 and 2 drugs.

UnitedHealthcare’s plan offers a monthly premium of $29.30 but has a lower policy deductible of $310. 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.

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

Are you curious to find out what a plan’s star rating means? A star rating can tell you a lot about the coverage it provides.

Medicare Special Needs Plans in Warwick, Rhode Island

Special Needs Plans (SNPs) are a subcategory of Medicare Advantage plans available to seniors with special needs. Although these plans are not available in every zip code, they can provide much-needed assistance to patients with unique care concerns or chronic disabilities.

Wellcare’s SNPs offer a Local PPO plan with a zero-dollar premium, a $3,450 MOOP, and dual eligibility. The plan includes coverage for care management services, routine vision, dental care, and even help to get to and from appointments. Wellcare offers dual eligibility, making it useful for Medicare A and B coverage gaps.

By comparison, BCBS of Rhode Island offers an HMO plan with a zero-dollar premium, a similar MOOP of $3,450, and dual eligibility.

BCBS is an HMO insurance recognized nationally, making it useful for travelers. This plan offers many special needs-focused benefits, including prescription medication. It even offers coverage for a fitness program.

While UnitedHealthcare’s plan offers the lowest MOOP of $1,800, it does have a $36.30 monthly premium. This SNP is best for patients that require more than 90 days in a long-term care facility.

The plan is dual-eligible, meaning it offers benefits not typically available to Medicaid or Original Medicare. One example is an allocated $3000 in coverage for dental procedures.

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 Warwick, Rhode Island?

Residents over 65 can apply for Medicare during their Initial Enrollment Period (IEP). You can enroll by calling your local Society Security office or visiting the government Medicare website.

Does Medigap cover drugs in Warwick, RI?

Any Medigap policy sold after 2006 will not include coverage for prescription drugs. However, Medicare Part D plans can provide supplemental drug coverage for seniors.

What is Medicare Part D in Warwick, Rhode Island?

Medicare Part D is a stand-alone plan that covers prescriptions that Medicare and Medigap plans do not.

Do Medicare Advantage plans have deductibles in Warwick, Rhode Island?

Seniors can replace their Original Medicare plans with a Medicare Advantage plan. As a private alternative, Medicare Advantage plans will have different deductibles and costs that can vary between carriers.

Is Medicare Advantage based on your income in Warwick, Rhode Island?

While your income will not affect your Medicare Advantage Part A premium, the amount you earn can impact your Part B premium.

How to Sign Up for Supplemental Medicare in Warwick

Are you looking to supplement your Warwick, Rhode Island, Medicare with Medigap coverage? Whether you’re interested in Medigap, Medicare Advantage, or Plan D, our team of agents is on hand to assist you in selecting a plan.

We work with all Rhode Island carriers and can help you compare rates in your area with no obligation to enroll. Complete our online form to get started.

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.