State guide · Rhode Island · 2027 plan year
Original Medicare vs Medicare Advantage in Rhode Island
Medicare Advantage plans differ from county to county. Each guide below lists the 2027 plans on this site for one county, next to Original Medicare with Medigap: premiums, the yearly limit, star ratings, prior authorization, and the yearly cost.
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In Rhode Island, you can go back to Medigap once a year
Rhode Island lets Medicare Advantage members with steady coverage buy any Medigap plan from October 15 to December 7. Your Medigap coverage then starts on January 1.
Read about Medigap rights on Medicare.govCounties with a guide in Rhode Island
5 local guides. The number shows the 2027 Medicare Advantage plans in each guide.
- Bristol County12 plans
- Kent County13 plans
- Newport County12 plans
- Providence County13 plans
- Washington County12 plans
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A higher drug plan premium is not, by itself, a reason to switch
With Original Medicare, you buy a separate drug plan. In Rhode Island, 10 drug plans are for sale for 2027, from $13.30 to $284.70 a month. Half of them cost $114.75 a month or less.
- Every 2027 drug plan limits what you pay for covered drugs to $2,400 a year. The drug coverage in Medicare Advantage plans has the same limit.
- The premium is one part of your yearly cost. Each county guide adds premiums, medical costs, and drug costs, so you can see the whole year.
- A Medicare Advantage plan can cost less in a light year. But you also take on its network and prior authorization rules.
- If your income is limited, Extra Help can pay most of your drug plan premium and drug costs. Check Extra Help at SSA.gov
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Sources and method
Plan data comes from the CMS 2027 Plan Benefit Package and landscape files. The data is from 2026-10-10. Drug plan premiums come from the CMS 2027 landscape file for Rhode Island.
These are estimates, not quotes, and they are for education only. Check every number with Medicare and with the plan before you choose. What you pay depends on your doctors and hospitals, your drugs and pharmacy, and the care you use. Plans can change their benefits, premiums, drug lists, and networks each year.
Pinnie is not an insurance agent or broker and does not sell Medicare plans. Pinnie is not connected with or endorsed by the U.S. government or the federal Medicare program. For all your options, visit Medicare.gov or call 1-800-MEDICARE (1-800-633-4227), TTY 1-877-486-2048.