Medicare Supplement Insurance (Medigap) helps Rhode Island seniors and eligible disabled residents cover out-of-pocket healthcare expenses not fully paid by Original Medicare, such as deductibles, copayments, and coinsurance. Rhode Island residents can choose from up to 10 standardized Medigap plans: A, B, C, D, F, G, K, L, M, and N.
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Important: Plan F and Plan C are not available to individuals who became eligible for Medicare on or after January 1, 2020.
Most Popular Medigap Plans in Rhode Island
| Popularity Ranking | Plan | Total Enrollees |
|---|---|---|
| 1 | F | 18,017 |
| 2 | C | 16,411 |
| 3 | G | 6,193 |
Note: Plans E, H, I, and J were discontinued nationwide. Pre-standardized plans (sold before July 1992) may still exist but are no longer issued.
Did you know? Rhode Island is one of the few states where Plan C still has a large share of enrollment — with more than 16,000 beneficiaries. This highlights how long-time enrollees often keep older plans, even as newer options like Plan G grow in popularity.
How Medigap Pricing Works in Rhode Island
Medigap premiums can rise differently depending on how insurers structure their pricing. In Rhode Island, plans may be offered using one of three rating methods:
- Attained-age rated – Premiums increase as you age.
- Issue-age rated – Premiums are based on your age at purchase and rise with inflation, not age.
- Community rated – All beneficiaries pay the same premium, regardless of age.
Under-65 Eligibility in Rhode Island
Rhode Island requires insurers to make at least one Medigap plan available to residents under 65 who qualify for Medicare due to disability or end-stage renal disease (ESRD). Availability may be more limited than for those 65 and older, but this rule ensures younger beneficiaries have some access to supplemental coverage.
Choosing a Medigap Plan in Rhode Island
Plan F remains the most popular option among Rhode Island residents, though it is closed to new beneficiaries. Many new enrollees now turn to Plan G for comprehensive benefits or Plan N for lower monthly premiums. All Medigap policies are accepted nationwide at any provider that takes Medicare, giving Rhode Island residents reliable coverage both locally and while traveling.
To compare premiums and find the best plan in your area, visit our Medigap rate comparison page.