Medicare Advantage
The all-in-one option. Often bundles dental, vision, hearing, and prescription coverage—and many plans have a $0 monthly premium.
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Rhode Island
Medical Insurance,
made simple.
Local guidance. Clear answers. Plans that fit your life in Rhode Island.
Local & Independent
We work for you, not the insurance companies.
Clear, Honest Guidance
We explain your options in simple terms.
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Support when you need it most.
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Where are you starting from?
Choose what sounds most like you and we'll help make the next step clear.
Rhode Island knowledge, personal service.
From Fairfield County to the Quiet Corner, we help you compare the plans available where you live.
Coverage options
Three ways Medicare can work for you.
We explain what each option actually means for your doctors, medications, and wallet—then let you decide.
Medicare Supplement (Medigap)
Predictable costs and broad freedom. Medigap fills in what Original Medicare leaves behind, with no provider networks to worry about.
Learn more →Prescription Drug (Part D)
Built around your medications. We compare formularies, pharmacies, and true annual costs—not just the monthly premium.
Learn more →How Medicare Works in Rhode Island
Rhode Island Medicare beneficiaries have more flexibility than almost anywhere else in the country when it comes to Medigap coverage. In most states, once your one-time six-month Medigap enrollment window closes, insurers can turn you down or charge you more if you have a pre-existing condition. Rhode Island is one of a small group of states — along with Connecticut, New York, Massachusetts, and Maine — that require insurers to offer Medigap policies on a guaranteed-issue basis beyond that window. In Rhode Island's case, that protection runs year-round: you can enroll in or switch a Medigap plan at essentially any time, without being turned away or charged more for your health history.
That flexibility comes with a tradeoff — because insurers can't screen for health, Rhode Island Medigap premiums tend to run higher than the national average. On the Medicare Advantage side, Rhode Island residents have real choice too: major carriers including Aetna, Blue Cross & Blue Shield of Rhode Island, Neighborhood Health Plan of RI, Humana, UnitedHealthcare, Cigna, and Wellcare offer plans across the state, though exact availability depends on your ZIP code and which hospital network you prefer to stay in.
For anyone turning 65 in Rhode Island, or reconsidering their coverage during Fall Open Enrollment, that combination — flexible Medigap rules plus a genuinely competitive Advantage market — means it's worth comparing both paths rather than assuming one is automatically right.
Rhode Island's Year-Round Medigap Guarantee
If you're turning 65 or already on Medicare in Rhode Island, this is worth knowing: Rhode Island law requires all Medigap (Medicare Supplement) plans to be sold on a guaranteed-issue, community-rated basis, year-round. In practice, that means:
- You can enroll in a Medigap plan any time of year, not just during a limited window
- Insurers cannot deny you a policy or charge you more because of a pre-existing health condition
- Everyone pays the same community-rated premium regardless of age, so a 66-year-old and an 85-year-old pay the same rate for the same plan
- You can switch between Medigap carriers later in life if a better rate or plan becomes available — something residents of most other states can't do without new medical underwriting
The tradeoff is cost: because insurers can't use health status to price policies, Rhode Island Medigap premiums are generally higher than the national average. For residents with ongoing health conditions, though, that year-round guarantee can be worth far more than the premium difference.
Medicare Advantage — Carrier Landscape
Rhode Island residents can choose from plans offered by Aetna, Blue Cross & Blue Shield of Rhode Island, Neighborhood Health Plan of RI, Humana, UnitedHealthcare, Cigna, and Wellcare. Plan availability, premiums, and provider networks vary by ZIP code — for example, a plan built around Lifespan's network may suit Providence-area residents better than one anchored to Care New England or a southeastern Massachusetts network. Most Rhode Island Advantage plans carry a $0 monthly premium, though out-of-pocket maximums and star ratings vary by plan and carrier.
Rhode Island Medicare FAQ
How it works
Three steps. No catch, no pressure.
01
Tell us what's going on
Your doctors, prescriptions, and what matters most to you.
02
See the real numbers
We compare available plans and lay out the actual costs.
03
Enroll when you're ready
If something fits, we'll walk through it together. If not, that's fine too.
Extra Help paying for Medicare in Rhode Island
If cost is a concern, these Rhode Island and federal programs may lower what you pay. All links go to the official source—no sales pitch, just where to apply.
Extra Help (Part D)
Lowers your Medicare Part D prescription costs—premiums, deductibles, and copays—if you qualify based on income and resources. Many RI residents who apply are surprised they qualify.
Apply via Social Security →Rhode Island Medicaid
Rhode Island's Medicaid program. If you're 65+ or living with a disability, Rhode Island Medicaid can work alongside Medicare to cover costs Medicare doesn't. Eligibility depends on income.
Visit RI Medicaid (EOHHS) →Local Life in Rhode Island
I should admit something before I get into this list: I've lived in Utah for over 40 years, and I still didn't know half of what was sitting in my own backyard until some friends came to visit and started rattling off places they'd been going. Forty years, and I was still learning things about home from out-of-towners.
That stuck with me. So instead of assuming I already knew what Rhode Island had to offer, I actually went looking. Below is what stood out — organized less like a tourist brochure and more like how you'd actually plan a day.
Discover the Palmetto State
Rhode Island has long been a favorite destination for retirees, growing families, and anyone looking for a warm climate, friendly communities, and a relaxed way of life. Whether you prefer the excitement of coastal living, the charm of historic towns, or the peaceful beauty of the countryside, Rhode Island offers something for everyone.
A Classic New England Climate
Rhode Island gives you all four seasons without the extremes. Summers are warm and breezy along the bay, autumn brings some of the best foliage in New England, and winters are milder than in much of the region thanks to the ocean. Spring and fall are ideal for walking, golfing, and getting outside.
Beautiful Places to Explore
For the smallest state, Rhode Island packs in remarkable variety.
Along more than 400 miles of coastline you'll find Narragansett, Misquamicut, and the beaches of South County, plus the mansions and sailing harbors of Newport and the ferry ride out to Block Island. Inland, farmland, forests, and reservoirs offer hiking, fishing, boating, and quiet back roads.
Nature lovers head for Colt State Park, the East Bay Bike Path, and Arcadia Management Area, while history enthusiasts explore colonial Providence, Slater Mill in Pawtucket, and centuries-old waterfront villages like Wickford and Bristol.
Friendly Communities
Rhode Island runs on neighbors knowing neighbors. It's a place where everything is a short drive away and people still recognize you at the coffee shop, the parish hall, and the corner market.
Popular retirement areas are found across the state — along the South County shoreline, in the East Bay towns of Barrington, Warren, and Bristol, and in communities near Providence, Warwick, and Cranston. Many offer active adult living with walking trails, fitness centers, and year-round activities.
Healthcare Throughout the State
Rhode Island has a dense, well-connected healthcare network, and nothing in the state is far from a major hospital.
Major medical centers include Rhode Island Hospital and The Miriam in Providence, Kent Hospital in Warwick, Newport Hospital, South County Health in Wakefield, and Landmark in Woonsocket, with Boston's teaching hospitals about an hour away. Residents have access to primary care, specialists, rehabilitation, and nationally recognized systems.
Whether you live in a larger city or a smaller community, quality healthcare is available throughout much of the state.
Recreation and Entertainment
Rhode Island offers activities for every interest.
Residents enjoy:
- Championship golf courses
- Atlantic Ocean beaches
- Freshwater lakes
- Boating and fishing
- State parks and hiking trails
- Historic downtown shopping
- Local festivals and farmers markets
- College sports
- Live theater and music
- Excellent seafood and local Italian and Portuguese cuisine
There's always something to enjoy, whether you prefer outdoor adventures or quiet afternoons with family and friends.
Cost of Living
Rhode Island keeps everything close by, which makes daily life simpler and travel costs low. Costs vary widely by town, and many residents find that smaller commutes, walkable neighborhoods, and nearby services help keep expenses manageable.
Retirees are drawn here because the state combines affordability with an enjoyable lifestyle.
Retirement in Rhode Island
Thousands of people choose Rhode Island for retirement each year. The combination of coastline, four true seasons, recreational opportunities, and welcoming communities makes it an excellent place to enjoy retirement.
Whether you're relocating from another state or have lived here your entire life, understanding your Medicare options is an important part of protecting your health and your finances.
About First American Medicare
Choosing coverage shouldn't feel confusing or rushed.
Whether you're turning 65, retiring, moving, or just double-checking your current plan, our job is to make it clear.
How we work
- Listen first
- Understand what you actually need
- Explain your options in plain English — no jargon
- Compare plans across multiple carriers
- Stick around after you enroll, not just before
We're not trying to sign you up once and disappear. We want to be the people you call every year.
Independent means more choices
We're not tied to one insurance company. We work with many well-known carriers, so we can compare plans against your actual doctors, prescriptions, and budget — and recommend what fits you, not what fits a quota.
Coverage isn't "set it and forget it"
If your prescriptions change, your doctor retires, or your situation shifts, we're still here. Your coverage should keep up with your life, not stay frozen the day you signed up.
What you can expect
- Honest answers
- Personal attention
- Clear explanations
- Respect for your time
- Ongoing support, year after year
Thank you for considering First American Medicare. We'd be glad to help.
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