Rhode Island seniors, you have 23 Medicare Part D Plans to choose from in 2018. Low monthly premiums, too! But, don’t make a decision on the premium and deductible alone. It’s critical that you verify that your medications are covered. You find this information, and the co-payment tiers, in the formulary.
Rhode Island Medicare Part D 2018 Coverage Gap
If you have expensive prescriptions, chances are that you will reach the Medicare coverage gap (aka, donut hole) on your plan. The Affordable Care Act law closes the gap over the new few years, but it’s still with us in 2018. Until it’s gone you’ll need to use good sense to get through the period when your medications are not covered.
Combining a Rhode Island Medigap Policy and Part D Plan Benefits
While you’re looking at Medicare Prescription Drug plans, it’s a good idea to shop for supplemental Medicare insurance that will cover some or all of the excess costs not paid by Original Medicare. Even with the new healthcare law reforms, Medicare only covers about 80 percent of the hospital and doctor bills incurred by most seniors in Rhode Island, leaving you to handle the rest. A Medigap policy protects you from big bills, giving you peace-of-mind. We make it easy to find the lowest cost policy available in Rhode Island with our complete catalog of Medigap policies for seniors living in Rhode Island.
Medicare Part D Benefits Offered by Most Medicare Advantage Plans in Rhode Island
The rising cost of healthcare is the number one reason more seniors than ever are switching to Medicare Advantage. With lower out-of-pocket costs, an annual out-of-pocket cap, and precription drug benefits (on most plans), it makes a lot of sense. More than 15-million people on Medicare made the switch in 2015. Have your compared the benefts? We have a complete catalog with all Rhode Island Medicare Advantage plans that makes plans easy to compare.
Eligability and Availability
You are eligible to apply for a Medicare Part D Plan in Rhode Island if you are:
- A resident,
- Enrolled in Medicare Parts A and B, and
- You are age 65 or over (or have Medicare due to a disability).
Medigap Part D Plans are available in the following counties: Newport, Providence, Washington, Bristol, Kent, and all other areas of the state.