Explore your options
Compare options, including Medicare Advantage, Medicare Supplement, and prescription plans.
Find a Licensed Medicare agent in Rhode Island
Connect with Medicare agents in Rhode Island
Toni Aldridge
Kevin Hatfield
Shannon Davis
Tyler Eby
Kayla Torry
Brandon Kauffman
Calvin Fritz
Sara Morrissey
Matt Willenborg
Ariel De Jesus
Why work with a Medicare agent
Enroll in Medicare
Get the help you need to enroll in Medicare, from Original Medicare to supplemental coverage.
Use your coverage
Receive extended support to help you use your plan effectively, find doctors, and get savings.
A Snapshot of Medicare in Rhode Island
41% of Rhode Island's Medicare beneficiaries are on Original Medicare, while the remaining 59% are enrolled in a Medicare Advantage or other Medicare health plan.
Medicare Advantage plans are offered by private insurance companies. They cover Part A and Part B services, and may also include additional coverage and benefits. While Original Medicare doesn’t include prescription drug coverage, most Medicare Advantage plans do. Those who choose Original Medicare or a Medicare Advantage plan that does not include prescription coverage can enroll in a separate Medicare Part D plan for prescription coverage.
Original Medicare only covers about 80% of the cost of covered services and has no out-of-pocket limit. Medicare Advantage plans set their own out-of-pocket costs, but must provide a cap on out-of-pocket expenses.
Those on Original Medicare can significantly reduce their out-of-pocket costs by purchasing a Medicare Supplement plan. Medicare Supplement plans are also commonly called Medigap plans. The best time for most people to enroll in a Medigap plan is during their Medigap Open Enrollment Period, which starts when someone is both 65 or older and also has both Medicare Part A and Part B. This enrollment period lasts for six months.
How to apply for Medicare in Rhode Island?
Medicare eligibility in Rhode Island follows the same nationwide rules as everywhere else in the country. You qualify for Medicare as a US citizen if you meet one of these criteria:
- You're 65 or older
- You have a qualifying disability, such as End-Stage Renal Disease or ALS
- You've received SSDI for 24 months or more
Enrolling in Rhode Island takes three key steps:
- Sign up for Original Medicare (Part A and Part B)
- Decide on your supplemental coverage:
- Medicare Supplement (Medigap)
- Medicare Advantage (Part C)
- Part D (prescription drug coverage)
- Confirm your doctors are in network, update your pharmacy with your new plan, and activate any additional benefits included with your coverage
FAQs
How can I get personalized Medicare guidance in Rhode Island?
Understanding the different Medicare coverage options and comparing the different options to make sure your doctors and prescriptions are covered can feel overwhelming. That’s why many people turn to Rhode Island Medicare agents to get help comparing plans and enrolling. Chapter’s licensed Medicare agents help Rhode Island residents understand their options and make informed decisions based on their health care needs, budget, and coverage preferences. Rhode Island residents can contact Chapter at (855) 900-2427 to get personalized assistance.
What happens to my Medicare Advantage or Part D coverage if I move from Rhode Island to another state?
Leaving Rhode Island to move to another state will affect your Medicare Advantage or Part D coverage, since plans serve specific areas. Beneficiaries who move to a new area have a 60-day Special Enrollment Period after they've moved to choose new Medicare Advantage or Part D coverage—assuming there are new plans available and/or your current plan isn’t available in your new area. If you notify your plan of your move before you move, you may also receive a 30-day window before the move to find new coverage.
How can Rhode Island residents check whether their doctors and hospitals are covered by a Medicare Advantage plan?
Patients with Original Medicare can visit any hospital, doctor, or specialist in the nation that accepts Medicare. However, before you choose a Medicare Advantage plan, you should make a list of your preferred healthcare providers, including primary care providers (PCPs), specialists, and hospitals. Use that list to verify that each of the providers you want to see is in a plan's provider network. You can search the plan's provider directory online, contact the company directly to confirm participation, or get help verifying in-network providers with your Medicare agent.
Do Rhode Island residents have to be 65 years old to be eligible for Medicare coverage?
In most cases, yes. That said, if residents meet certain disability requirements, have amyotrophic lateral sclerosis (ALS), or have end-stage renal disease (ESRD), they may be eligible for Medicare before they turn 65. Specifics about enrollment timing and eligibility depend on the qualifying condition.
