Best Rhode Island Medicare Advantage Plans

MoneyGeek discovered the best plans that are rated based on the Centers for Medicare & Medicaid Services five-star quality rating system and are widely available in Rhode Island. We also broke down the options according to several factors like plan types, whether they include drug coverage and their out-of-pocket limits.

These are generalizations, and it’s a good idea to do your research and shop around for a plan that is right for you. You’ll want to ensure that the hospitals and providers you want to use are in the plan's network before you enroll.

MoneyGeek also analyzed the best medicare supplement plans in Rhode Island for those focused on covering out-of-pocket expenses.

Your needs and preferences will determine the best Medicare Advantage plan in Rhode Island for you. If you want a PPO policy with drug coverage, the six core benefits and one that is highly rated by the Centers for Medicare & Medicaid Services, the best plan we found is HealthMate for Medicare, offered by Blue Cross & Blue Shield of Rhode Island.

Although Preferred Provider Organization plans are more expensive than Health Maintenance Organization policies, they offer a more extensive network. You also won’t need a referral to see a specialist. A PPO is a great option if you’re looking for flexibility and don’t mind the extra cost.

Your unique needs will determine which Medicare Advantage HMO plan is best for you.

For our sample buyer in Rhode Island looking for an HMO plan with a high-star rating from CMS, the six core benefits and drug coverage, the best plan is BlueCHiP for Medicare Advance, offered by Blue Cross & Blue Shield of Rhode Island.

HMO plans are typically less expensive compared to other plans. However, you are only covered if you stay within the provider network, except during emergencies. You'll also need a referral to see a specialist. Overall, if the in-network providers are accessible to you, this type of plan is an excellent way to save on monthly payments.

There are additional plans available if you don't require Part D prescription drug coverage. If you’re looking for a Medicare Advantage Plan in Rhode Island with or without drug coverage, which has six core benefits and is highly rated by CMS, we found that the best plan is BlueCHiP for Medicare Core HMO, offered by Blue Cross & Blue Shield.

You may still have to spend thousands of dollars out of your pocket whether Medicare Advantage plans feature low or no premiums.

According to our research, the best plan in Rhode Island if you want a Medicare Advantage plan with a low in-network maximum out-of-pocket limit, that includes the six core benefits, drug coverage and a high rating from CMS is HealthMate for Medicare PPO, offered by Blue Cross & Blue Shield of Rhode Island.

In Rhode Island, there are six organizations that provide Medicare Advantage plans. The following Medicare Advantage statistics will help you find out what plan features are uncommon Vs. typical in the state.

MoneyGeek collected data from the Centers for Medicare & Medicaid Services 2022 MA Landscape Source Files released in October 2021. Plans in Rhode Island were filtered down to those that offer drug coverage (unless otherwise noted), offer six of the most common Medicare Advantage coverage benefits and are available to at least 50% of the population of Rhode Island based on county availability.