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Medicare Advantage Plans (Part C) in Rhode Island

No obligation to enroll

What Are the Rhode Island Medicare Advantage Plans?

Each of Rhode Island’s 39 municipalities has its own form of local government. Yet, there is one thing all Rhode Island residents who are about to turn age 65 have in common, which is the call to sign up for Medicare Insurance. The federally administered program is the state’s primary source of healthcare for those age 65 and older and for some disabled individuals under the age of 65. In order to get the most out of these benefits, it’s important to understand Medicare enrollment as well as your healthcare options with a Medicare Advantage plan in Rhode Island.

The first step starts in understanding the various Medicare parts. Medicare Part A covers hospital insurance while Medicare Part B covers medical/doctor’s office insurance. Part C is also known as Medicare Advantage. Residents of Rhode Island can buy Medicare Advantage plans through private insurance companies. Part C plans are approved by Medicare, offer at least the same level of coverage as Medicare Parts A and B and replace coverage by Medicare Part A and Medicare Part B.

Many people select a Medicare Advantage (MA) plan because of the additional benefits which may be included. Rhode Island residents needing hearing, vision, dental as well as other routine medical services may want to consider a Medicare Advantage plan in Rhode Island as these types of benefits are often included.

What Are the Rhode Island Medicare Advantage Plans?

Each of Rhode Island’s 39 municipalities has its own form of local government. Yet, there is one thing all Rhode Island residents who are about to turn age 65 have in common, which is the call to sign up for Medicare Insurance. The federally administered program is the state’s primary source of healthcare for those age 65 and older and for some disabled individuals under the age of 65. In order to get the most out of these benefits, it’s important to understand Medicare enrollment as well as your healthcare options with a Medicare Advantage plan in Rhode Island.

The first step starts in understanding the various Medicare parts. Medicare Part A covers hospital insurance while Medicare Part B covers medical/doctor’s office insurance. Part C is also known as Medicare Advantage. Residents of Rhode Island can buy Medicare Advantage plans through private insurance companies. Part C plans are approved by Medicare, offer at least the same level of coverage as Medicare Parts A and B and replace coverage by Medicare Part A and Medicare Part B.

Many people select a Medicare Advantage (MA) plan because of the additional benefits which may be included. Rhode Island residents needing hearing, vision, dental as well as other routine medical services may want to consider a Medicare Advantage plan in Rhode Island as these types of benefits are often included.

Compare Medicare plans and request a free quote today!

How Is Eligibility for a Medicare Advantage Plan in Rhode Island Determined?

Eligibility for an MA plan is rarely a hurdle. If you’re already eligible for Medicare Parts A and B and you live in an area where Medicare Advantage plans are sold, you’re also eligible for Medicare Part C. Medicare Advantage plans can provide an additional safety net as needs increase with age. A Medicare Advantage plan in Rhode Island could potentially help you save money since many Medicare Advantage plans have $0 monthly premiums. Copayments, coinsurance and deductibles vary depending on the plan you choose.

Rhode Island residents cannot be enrolled in a Medicare Advantage Plan and a Medicare Supplement Insurance (Medigap) plan at the same time. A Medicare Supplement Insurance plan assists with covering some of the gaps in coverage including copayment, coinsurance and deductibles that aren’t covered by Medicare Parts A and B.

Are Prescription Drugs Covered by a Medicare Advantage Plan in Rhode Island?

Any resident of Rhode Island looking for prescription drug coverage should consider a Medicare Part C plan since most Medicare Advantage plans also have Part D prescription drug coverage. A Medicare Advantage plan with prescription drug coverage is called a MAPD and it can help cover some of the costs of prescription drugs. If you’re considering prescription drug coverage in Rhode Island, you may want to look at a Medicare Advantage Prescription Drug (MAPD) plan.

Rhode Island residents cannot be enrolled in a Medicare Advantage Plan and a Medicare Supplement Insurance (Medigap) plan at the same time. A Medicare Supplement Insurance plan assists with covering some of the gaps in coverage including copayment, coinsurance and deductibles that aren’t covered by Medicare Parts A and B.

Are Prescription Drugs Covered by a Medicare Advantage Plan in Rhode Island?

Any resident of Rhode Island looking for prescription drug coverage should consider a Medicare Part C plan since most Medicare Advantage plans also have Part D prescription drug coverage. A Medicare Advantage plan with prescription drug coverage is called a MAPD and it can help cover some of the costs of prescription drugs. If you’re considering prescription drug coverage in Rhode Island, you may want to look at a Medicare Advantage Prescription Drug (MAPD) plan.

Where Do I Start When Choosing the Most Popular Medicare Advantage Plans in Rhode Island?

Finding the right Medicare Advantage plan in Rhode Island is as unique as the resident the plan is there to support. Among Rhode Island residents who are enrolled in Medicare Advantage, the majority (90.7%) choose an HMO/HMOPOS plan while 7.7% choose a Local PPO, as reported by the Centers for Medicare & Medicare Services (CMS.gov). Knowing how much Medicare plan coverage you need will help you determine the right Medicare Advantage plan in Rhode Island for your needs and budget.

You can become more informed about Medicare Advantage plans available in Rhode Island by contacting a SelectQuote licensed sales agent who can guide you through the Medicare maze. Acting as your advocate, our licensed sales agents help you weigh the Medicare Advantage plan options in your area, understand costs and answer questions throughout the process. SelectQuote individually shops more than 20 national insurance companies to find a plan that works within your needs and budget.

When Can I Get Enrolled in a Medicare Advantage Plan in Rhode Island?

Enrollment in a Medicare Advantage plan occurs during specified enrollment periods. Medicare enrollment in Rhode Island opens for residents prior to turning age 65 or earlier in special disability cases. The Initial Enrollment Period (IEP) runs for seven months.

IEP begins three months before turning age 65, including the birthday month, and ends 3 months after the birthday month. It is also the time allotted for enrollment in Medicare Parts A, B, C and D. For example, if you’re a Rhode Island resident with a May birthday, your IEP runs from February through August.

You may also enroll in a Medicare Advantage plan during the Medicare Advantage and Prescription Drug Plan Annual Enrollment Period (AEP), which occurs annually each fall. Medicare’s AEP runs from October 15 through December 7 each year. The key dates for AEP are as follows:

Oct. 15 – Annual Enrollment Period Begins

Dec. 7 – Annual Enrollment Period Ends

Jan. 1 – First Date Coverage can start

Oct. 15 – Annual Enrollment Period Begins

Dec. 7 – Annual Enrollment Period Ends

Jan. 1 – First Date Coverage can start

During the Annual Enrollment every year, Rhode Island residents can:

  • Switch from Medicare Parts A and B (Original Medicare) to a Medicare Advantage (Part C) plan
  • Change from one Medicare Advantage Plan to another
  • Switch from one Prescription Drug (Part D) plan to another
  • Add a Prescription Drug (Part D) plan if you didn’t enroll when first eligible for Medicare

In addition to AEP, Rhode Island residents who are enrolled in a Medicare Advantage plan can make a one-time plan change during the Open Enrollment (OEP) period, which occurs each year from January 1 through March 31. There are also Medicare Special Enrollment Periods (SEP) you may be able to enroll in Medicare or make changes to your existing Medicare Advantage coverage because of certain events and life changes, such as moving or losing employer coverage.

Is a Rhode Island Medicare Advantage Plan Right for You?

Much like the independent municipalities of Rhode Island, SelectQuote is an independent third-party resource specializing in helping consumers understand their options for Medicare Insurance. SelectQuote can help ensure you are getting all the available Medicare benefits you deserve and help you to stay informed about the annual updates insurance companies make to Medicare plans. SelectQuote is here to help you find the right Medicare Advantage plan in Rhode Island to meet your needs.

To ensure you are getting all the benefits you are entitled to receive, call or complete your online form today. Let SelectQuote’s personal licensed sales agents simplify the Medicare maze by comparing rates and independently shopping insurance companies to help you find an affordable option that meets your unique needs.

Is a Rhode Island Medicare Advantage Plan Right for You?

Much like the independent municipalities of Rhode Island, SelectQuote is an independent third-party resource specializing in helping consumers understand their options for Medicare Insurance. SelectQuote can help ensure you are getting all the available Medicare benefits you deserve and help you to stay informed about the annual updates insurance companies make to Medicare plans. SelectQuote is here to help you find the right Medicare Advantage plan in Rhode Island to meet your needs.

To ensure you are getting all the benefits you are entitled to receive, call or complete your online form today. Let SelectQuote’s personal licensed sales agents simplify the Medicare maze by comparing rates and independently shopping insurance companies to help you find an affordable option that meets your unique needs.