Medicare Supplement
Medigap in Rhode Island for 2027: 12 Insurers and the Plans They Sell
PROVIDENCE — Rhode Islanders shopping for a Medicare Supplement policy for 2027 have a dozen insurers to consider, according to the Medigap policy search on Medicare.gov for ZIP code 02903. The lineup spans the standardized federal plan letters A, B, C, D, F, F-HD, G, G-HD, K, L and N, though not every insurer sells every letter.
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Click to call 855-729-3240Key takeaways
- Medicare.gov's Medigap policy search lists 12 insurers for ZIP code 02903, together offering plan letters A, B, C, D, F, F-HD, G, G-HD, K, L and N.
- The one time Medigap is sold without medical underwriting for most people is the six-month Medigap Open Enrollment Period that starts when you are 65 or older and enrolled in Part B.
- Rhode Islanders whose Medicare Advantage plan is offered in 2026 but not returning anywhere in the state in 2027 get a federal guaranteed-issue right to buy certain Medigap plans.
- Medigap does not include prescription drug coverage, so a stand-alone Part D plan is chosen separately during Annual Enrollment, October 15 – December 7, 2026, for coverage that begins January 1, 2027.
| Fact | Figure | Source |
|---|---|---|
| Part B standard monthly premium (2026) | $202.90 | Medicare.gov |
| Part D out-of-pocket cap (2026) | $2,100 | CMS |
| Part D out-of-pocket cap (2027) | $2,400 | CMS |
| Annual Enrollment Period (for 2027 coverage) | October 15 – December 7, 2026 | Medicare.gov |
Area counts are for the county as a whole and are not a recommendation of any plan. Program figures are set nationally.
What is Medigap and how is it different from Medicare Advantage in Rhode Island?
Medigap is private insurance that works alongside Original Medicare (Parts A and B) to help pay cost-sharing such as coinsurance and some deductibles. It is not Medicare Advantage. With Original Medicare plus a Medigap policy, you keep Original Medicare as your coverage and the Medigap plan fills in defined gaps. With Medicare Advantage (Part C), a private plan replaces how you get your Part A and Part B benefits and typically uses a network.
Medigap benefits are standardized by federal plan letter, which means Plan G from one insurer covers the same federally defined items as Plan G from another insurer. Prices and customer service can differ. Plans C and F are closed to people who became newly eligible for Medicare on or after January 1, 2020.
Which insurers sell Medigap in Rhode Island, and which plan letters do they offer?
For ZIP code 02903, Medicare.gov's Medigap policy search lists these 12 insurers and the federal plan letters shown for each. What is actually sold can vary by ZIP code and by age, sex and tobacco use.
- AARP – UnitedHealthcare Insurance Company: A, B, C, F, G, K, L, N
- Aetna Health and Life Insurance Company: A, F, G, N
- AFLAC: A, F, G, N
- Bankers Life (Underwritten by Washington National Insurance Company): A, F, G, G-HD, N
- Blue Cross Blue Shield of Rhode Island: A, F, G, N
- Humana (Humana Insurance Company): A, B, C, F, F-HD, G, G-HD, K, L
- Insurance Company of North America: A, F, G, G-HD, N
- Lumos Insurance: A, F, G, G-HD, N
- Medco Containment Life Insurance Company: A, F, F-HD, G, N
- Mutual of Omaha (United World Life Insurance Company): A, F, G, G-HD, N
- United American Insurance Company: A, B, C, D, F, F-HD, G, G-HD, K, L, N
- USAA Life Insurance Company: A, F, G, N
Across the Rhode Island listings, plan letters A, B, C, D, F, F-HD, G, G-HD, K, L and N are each sold by at least one carrier. For current pricing and plan details, use the Medicare Plan Finder on Medicare.gov, call 1-800-MEDICARE, or review the insurer's own materials.
What is the Medigap Open Enrollment Period in Rhode Island and why does it matter?
The Medigap Open Enrollment Period is a one-time, six-month window that starts the month you are both 65 or older and enrolled in Medicare Part B. During that window, an insurer licensed in Rhode Island must sell you any Medigap policy it offers at the same price it charges people in good health, and it cannot refuse you because of pre-existing conditions.
That matters because, outside this window and outside specific guaranteed-issue situations, insurers in most states can use medical underwriting — reviewing your health history to decide whether to offer a policy and at what price. Missing the six-month window does not mean Medigap is unavailable later, but acceptance and price are no longer guaranteed.
What happens if my Medicare Advantage plan in Rhode Island is not returning for 2027?
According to CMS Landscape files, 1 Medicare Advantage plan offered somewhere in Rhode Island in 2026 is not returning anywhere in the state in 2027. Members of a plan that is not returning receive a federal guaranteed-issue right to buy certain Medigap policies, which means they can get specific plan letters without medical underwriting within the federal time limits.
If you receive a non-renewal notice from your Medicare Advantage plan, keep it. Insurers may ask to see it as proof of your guaranteed-issue right. Medicare.gov describes which plan letters are available under this right and the deadlines that apply.
Does Medigap cover prescriptions in Rhode Island, or do I need a separate Part D plan?
Medigap sold today does not include prescription drug coverage, so Rhode Islanders who want help with retail prescriptions generally pair Original Medicare and a Medigap policy with a stand-alone Medicare Part D drug plan. Part D is chosen separately from Medigap.
For 2027, the Part D out-of-pocket cap is $2,400 (up from $2,100 in 2026), and the most any Part D plan may charge as a deductible is $700. The national Part D base beneficiary premium used in the late-enrollment penalty calculation is $41.33; actual plan premiums are set plan by plan. You can enroll in or change a Part D plan during Annual Enrollment, October 15 – December 7, 2026, with coverage effective January 1, 2027.
How should I compare Medigap policies in Rhode Island?
Start with the federal plan letter, because benefits within a letter are standardized. Then compare the insurers that sell that letter in your ZIP code on price, how premiums change over time, customer service and billing options. The Medigap policy search on Medicare.gov lets you enter a ZIP code and see the insurers and letters available; insurers' own documents and 1-800-MEDICARE can confirm current details.
Rate quotes can vary by age, sex and tobacco use, and the same plan letter may be priced differently by different carriers. Decide on the letter first, then shop the carriers.
Where can Rhode Islanders get free help with Medicare?
Medicare.gov is the official federal site for plan comparisons, Medigap searches and enrollment information. The toll-free line 1-800-MEDICARE (1-800-633-4227) is available 24 hours a day, 7 days a week, and can answer questions about enrollment periods, guaranteed-issue rights and how Medigap works with Part D.
Also keep in mind what has not yet been published: CMS typically announces the 2027 Part B standard premium, Part B deductible and IRMAA income-related surcharges in the fall, and the Social Security Administration announced on October 14, 2026 a 3.6 percent cost-of-living adjustment for benefits payable beginning January 2027.
By the numbers
Medicare Part B premium, 2006–2026
The standard monthly Part B premium has climbed from $88.50 in 2006 to $202.90 in 2026. Hover any point for that year’s premium.
Source: CMS. Standard premium shown; in some hold-harmless years many existing enrollees paid less. Confirm at Medicare.gov.
Key dates
Medicare enrollment periods at a glance
- Around your 65thInitial Enrollment PeriodA 7-month window around the month you turn 65 — your first chance to sign up.
- October 15 – December 7Annual Enrollment Period (Open Enrollment)Anyone with Medicare can join, switch, or drop a Medicare Advantage or Part D plan.
- January 1 – March 31Medicare Advantage Open EnrollmentIf you're already in a Medicare Advantage plan, you can make one change.
- January 1 – March 31General Enrollment PeriodFor people who missed their first chance to sign up for Part B.
- VariesSpecial Enrollment PeriodTriggered by life events like moving or losing other coverage.
Dates are set by Medicare and apply nationwide. Confirm your personal windows at Medicare.gov or 1-800-MEDICARE.
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The parts of Medicare
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When can you enroll? An interactive year
Enrollment windows are federal and the same nationwide. Confirm your personal dates at Medicare.gov or 1-800-MEDICARE.
Good to know
Frequently asked questions
Which Medigap plan letters are sold in Rhode Island for 2027?
When can I buy Medigap in Rhode Island without medical underwriting?
Does Medigap cover my prescriptions in 2027?
Where can I compare Medigap policies and get free help?
- CMS — Medicare Supplement Insurance (Medigap) rules (medicare.gov)
- CMS — Medicare enrollment periods (medicare.gov)
For personalized answers, contact Medicare.gov or 1-800-MEDICARE.
Sources and methodology
- Medicare.gov, Medicare costs (Part B premium)
- CMS, Medicare prescription drug coverage (Part D) program rules
- CMS, Medicare Advantage and Part D plan-year announcements
- Medicare.gov, enrollment periods and plan rules
- Medicare.gov Medigap policy search
Figures cited in this article
- Medicare.gov Medigap policy search: the 12 insurers and plan letters listed for ZIP code 02903.
- CMS Landscape Source File: the count of Medicare Advantage plans offered in Rhode Island in 2026 and not returning anywhere in the state in 2027.
- CMS — Medicare Supplement Insurance (Medigap) rules (medicare.gov): standardization of plan letters, the six-month Medigap Open Enrollment Period, and guaranteed-issue rights.
- Medicare.gov — Medicare enrollment periods: Annual Enrollment dates of October 15 – December 7, 2026, with coverage effective January 1, 2027.
- CMS: the 2027 Part D out-of-pocket cap of $2,400, the maximum Part D deductible of $700, and the Part D base beneficiary premium of $41.33.
- Social Security Administration: the 3.6 percent cost-of-living adjustment announced October 14, 2026 for benefits payable beginning January 2027.
How we put this together: area counts come from the CMS files listed above for the county that contains this city, program figures come from CMS, Medicare.gov and the Social Security Administration, and no plan is ranked or recommended.
By The Medicare Desk · Published . For personalized answers, contact Medicare.gov or 1-800-MEDICARE.
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This page was last updated: October 2026.