Best Medicare Supplement Plans in Rhode Island 2026
Rhode Island has over 60,000+ Medigap enrollees. Plan G starts at $148/mo in Providence and averages $234/mo statewide. We compared 12+ carriers to find the best coverage in the Ocean State.
Rhode Island Has No Birthday Rule: Your Initial Plan Choice Matters
Unlike California, Oregon, and other states with birthday rules, Rhode Island does not give you an annual window to switch Medigap carriers without underwriting. Once your 6-month Open Enrollment Period ends, you will face health questions if you try to change plans. Compare carriers carefully before you enroll and consider long-term rate stability, not just today's lowest premium.
More than 60,000 Rhode Islanders have Medicare Supplement Insurance, also called Medigap. Rhode Island follows standard federal Medigap rules, offering plans A through N with no state-specific modifications. Plan G is the most popular choice for new enrollees, covering nearly all Medicare out-of-pocket costs except the annual Part B deductible ($257 in 2026).
USAA offers the lowest Plan G in Rhode Island at $148/mo (military members and families only). For civilians, Humana offers Plan G at $167/mo and the lowest Plans B, C, and F in the state. AFLAC offers the lowest Plan N at $123/mo. Transamerica is the only carrier offering all 10 standardized plan types with issue-age pricing.
Rhode Island has no birthday rule, so your initial Open Enrollment Period is your most important enrollment window. Use it to compare carriers carefully and choose a plan you can keep long-term.
Compare the Best Medicare Supplement Plans in Rhode Island
Our top-rated Medigap carriers in Rhode Island, ranked by the MedicareFAQ Score. Premiums shown are for a 65-year-old female nonsmoker in Providence. Rates in Warwick, Cranston, and other cities may vary slightly.
USAA
Plan G
$148/mo
Plan N
$134/mo
AM Best
A++
USAA offers the lowest Plan G in Rhode Island at $148/mo and the lowest Plan A at $116/mo, combined with an A++ AM Best rating. Available only to military members and eligible family members, USAA is the top choice for Rhode Island seniors with a military background.
Humana
Plan G
$167/mo
Plan N
N/A/mo
AM Best
A
Humana offers the lowest Plans B ($154/mo), C ($179/mo), and F ($182/mo) in Rhode Island. Its Plan G at $167/mo is also competitive for civilians who do not qualify for USAA. Humana is the best choice for beneficiaries who want Plans B, C, or F.
AFLAC
Plan G
$184/mo
Plan N
$123/mo
AM Best
A+
AFLAC offers the lowest Plan N in Rhode Island at $123/mo, making it the top choice for beneficiaries who want the most affordable coverage with modest copays. Its A+ AM Best rating adds financial confidence.
Transamerica
Plan G
$169/mo
Plan N
$131/mo
AM Best
A
Transamerica is the only Rhode Island carrier offering all 10 standardized Medigap plan types, including the rarely available Plans D, K, L, and M. Its issue-age pricing locks in your rate at enrollment, and it offers the lowest Plans D ($169/mo), K ($76/mo), and L ($113/mo) in the state.
Mutual of Omaha
Plan G
N/A/mo
Plan N
$125/mo
AM Best
A+
Mutual of Omaha offers a competitive Plan N at $125/mo in Rhode Island with an A+ AM Best rating and a strong national reputation for claims handling. It is the best choice for beneficiaries who want Plan N from a well-known national carrier.
Medicare Supplement Prices in Rhode Island
Sample monthly premiums from top carriers in Providence for a 65-year-old female nonsmoker. Rates may include available household discounts. Rhode Island uses attained-age rating for most carriers, so premiums will increase as you age.
| Insurance Company | Plan G Monthly | Plan N Monthly | Plan F Monthly |
|---|---|---|---|
| USAA* | $148 | $134 | $183 |
| Humana | $167 | N/A | $182 |
| Transamerica | $169 | $131 | $212 |
| Blue Cross Blue Shield RI | $177 | N/A | $209 |
| Bankers Life | $180 | $135 | N/A |
| AFLAC | $184 | $123 | $212 |
| Aetna | $192 | $131 | $205 |
| Mutual of Omaha | N/A | $125 | N/A |
| State Average | $234 | $181 | $273 |
*USAA is only available to military members, veterans, and eligible family members. Lowest Plan G for the general public: $167/mo (Humana). Source: Rhode Island DBR, FairSquare Medicare, MoneyGeek, May 2026.
Plan G vs. Plan N in Rhode Island
Plan G and Plan N are the two most popular Medicare Supplement plans for new enrollees in Rhode Island. Here is how they compare.
| Benefit | Plan G | Plan N |
|---|---|---|
| Part A hospital coinsurance | Covered | Covered |
| Part B coinsurance (20%) | Covered | Covered* |
| Part A deductible ($1,676) | Covered | Covered |
| Part B deductible ($257) | Not covered | Not covered |
| Part B excess charges | Covered | Not covered |
| Skilled nursing coinsurance | Covered | Covered |
| Foreign travel emergency | Covered | Covered |
| Office visit copay | $0 | Up to $20 |
| ER copay (no admission) | $0 | Up to $50 |
| Avg. monthly premium (Providence) | $167-$192 | $123-$135 |
*Plan N covers Part B coinsurance but may charge up to $20 for some office visits and up to $50 for ER visits that do not result in inpatient admission. Rhode Island allows excess charges, so Plan N enrollees should confirm their doctors accept Medicare assignment.
Rhode Island has no birthday rule, so your initial enrollment decision is the most important one you will make. If you have a military background, USAA at $148/mo with an A++ rating is the clear winner. For civilians, Humana at $167/mo offers the best value: competitive Plan G, the lowest Plans B, C, and F in the state, and an A financial strength rating. If you want the lowest Plan N, AFLAC at $123/mo is the top pick. For long-term rate stability, Transamerica's issue-age pricing locks in your rate at enrollment. Compare all carriers during your 6-month Open Enrollment Period and choose a plan you can keep for the long haul.
Rhode Island Medigap Rules You Should Know
No Birthday Rule in Rhode Island
Rhode Island does not have a birthday rule. Outside of your 6-month Open Enrollment Period when you first turn 65 and enroll in Part B, you will face medical underwriting if you try to switch Medigap carriers. This makes your initial plan choice especially important.
Standard 6-Month Open Enrollment Period
Federal law gives you a 6-month Open Enrollment Period starting the month you turn 65 and enroll in Medicare Part B. During this window, no carrier can deny you coverage or charge higher premiums due to pre-existing conditions. This is the best time to enroll.
Under-65 Coverage Not Required
Rhode Island does not require Medigap carriers to offer coverage to Medicare beneficiaries under age 65 (such as those with disabilities). If you are under 65 and on Medicare, you may have difficulty finding Medigap coverage in Rhode Island. Some carriers offer it voluntarily at higher rates.
Attained-Age Rating Dominates
Most Rhode Island Medigap carriers use attained-age rating, meaning your premium increases as you get older. Transamerica uses issue-age rating where your premium is locked at the rate for your age when you enroll. Issue-age plans often start higher but can be cheaper over the long term.
Excess Charges Are Allowed in Rhode Island
Rhode Island does not ban Medicare excess charges. Providers who do not accept Medicare assignment can charge up to 15% more than the Medicare-approved amount. Plan G covers these excess charges; Plan N does not. If your doctors do not accept Medicare assignment, Plan G is the safer choice.
Free Help via Rhode Island SHIP
Rhode Island SHIP (State Health Insurance Assistance Program) provides free, unbiased Medicare counseling. Call 1-888-884-8721 or the ADRC at 401-462-4444. Regional offices serve Providence, Northern RI, West Bay, South County, East Bay, and Newport County. Counselors do not sell insurance.
MedicareFAQ Scoring Methodology
The MedicareFAQ Score rates Medicare Supplement carriers on a scale of 1.0 to 5.0 based on five key factors. Our ratings are independent and not influenced by advertising relationships.
Financial Strength (AM Best)
Claims-paying ability and long-term stability
Customer Satisfaction
NAIC complaint ratios and member satisfaction surveys
Premium Competitiveness
Plan G and Plan N rates vs. Rhode Island market average
Plan Availability
Number of plan types offered in Rhode Island
Discounts and Value
Household discounts, EFT discounts, and added benefits
Last updated: May 2026 | Data sources: NAIC complaint ratios, AM Best ratings, CMS Medicare Plan Finder, Rhode Island DBR, FairSquare Medicare
Frequently Asked Questions
Find the Best Medigap Rate in Your Rhode Island ZIP Code
Rhode Island has no birthday rule, so your Open Enrollment Period is your best chance to lock in coverage without health questions. Plan G starts at $148/mo for military members and $167/mo for civilians in Providence. Compare all available carriers before enrolling.