Medigap in Rhode Island: 2026 Average Premiums
| Plan | Estimated Monthly Premium | Part A Deductible | Part B Coinsurance |
|---|---|---|---|
| Plan G (most popular) | $168/month | Covered | 100% covered |
| Plan N | $138/month | Covered | Covered (with copays up to $20) |
| Plan F (pre-2020 only) | $193/month | Covered | 100% covered |
| Plan K | $76/month | 50% covered | 50% covered |
| Plan L | $101/month | 75% covered | 75% covered |
Medicare Supplement Insurance in Rhode Island
Medicare Supplement (Medigap) insurance fills the gaps in Original Medicare coverage in Rhode Island. The most popular plan — Plan G — has an average monthly premium of $168 in Rhode Island, covering the Part A deductible ($1,676 per benefit period in 2026), Part B coinsurance (20% of all covered services), skilled nursing facility coinsurance, and foreign travel emergency coverage. The only gap Plan G leaves is the Part B deductible ($240/year).
Medigap Plan Comparison in Rhode Island
| Benefit | Plan G | Plan N | Plan F* | Plan K | Plan L |
|---|---|---|---|---|---|
| Part A coinsurance and hospital costs | ✓ | ✓ | ✓ | ✓ | ✓ |
| Part B coinsurance/copayment | ✓ | ✓ (copays) | ✓ | 50% | 75% |
| Blood (first 3 pints) | ✓ | ✓ | ✓ | 50% | 75% |
| Part A hospice coinsurance | ✓ | ✓ | ✓ | 50% | 75% |
| Skilled nursing facility coinsurance | ✓ | ✓ | ✓ | 50% | 75% |
| Part A deductible | ✓ | ✓ | ✓ | 50% | 75% |
| Part B deductible | ✗ | ✗ | ✓ | ✗ | ✗ |
| Part B excess charges | ✓ | ✗ | ✓ | ✗ | ✗ |
| Foreign travel emergency (80%) | ✓ | ✓ | ✓ | ✗ | ✗ |
| Estimated monthly premium in Rhode Island | $168 | $138 | $193* | $76 | $101 |
*Plan F is only available to people who became eligible for Medicare before January 1, 2020.
When to Buy Medigap in Rhode Island
The best time to buy Medigap in Rhode Island is during your 6-month Medigap Open Enrollment Period, which begins the month you turn 65 and are enrolled in Medicare Part B. During this period, insurers in Rhode Island cannot deny you coverage or charge higher premiums based on pre-existing conditions. After this window closes, insurers can use medical underwriting in most states, potentially denying coverage or charging significantly higher premiums.
Medigap vs. Medicare Advantage in Rhode Island
Choosing between Medigap and Medicare Advantage in Rhode Island depends on your health needs and preferences. Medigap + Part D gives you nationwide provider access, predictable costs, and no prior authorization requirements — ideal for people with complex health needs or who travel frequently. Medicare Advantage (average premium: $17.2/month in Rhode Island) typically has lower premiums but network restrictions and prior authorization requirements. The average MA plan in Rhode Island is rated 4.1 stars by CMS.
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