The Rhode Island State Board of Insurance has licensed Blue Cross Blue Shield of Rhode Island to sell BCBS of Rhode Island Medigap plans (Medicare Supplement insurance) to Rhode Island seniors with Medicare benefits. Medicare Supplements help pay the deductibles, copayments and coinsurance that come with Original Medicare. This insurance carrier has participated in the supplement insurance market for The carrier offers a range of standardized plans (see below). years and offers a range of plans for Rhode Island seniors (see plans offered below). A.M. Best Company, a nationally recognized insurance rating company, gave BCBS of Rhode Island an rating.
All insurance companies that sell Medicare Plans must offer Plan A. This is the most basic policy covering the portions of Medicare Part A and Part B that the government doesn’t pay.
Rhode Island seniors with Medicare benefits are eligible to apply for a Blue Cross Blue Shield of Rhode Island Medigap Plan A policy. It's a Attained Age based premium. We recommend comparing this company's Plan A rate with these carriers:
- UnitedHealthcare Medigap Plan A (Rhode Island)
- Globe Life Medigap Plan A (Rhode Island)
- Transamerica Medigap Plan A (Rhode Island)
Plan C covers every penny of what Medicare approves, up to the approved payment amount. In other words, there are only two instances in which Plan C will not cover what is left of your charges after Medicare pays its share. The first instance is when Medicare doesn’t approve the charge at all. The second is when your healthcare provider charges more than the Medicare approved amount. This is because Plan C does not cover Medicare Part B Excess Charges.
If you take care to avoid the Medicare Part B excess charges, this is an attractive policy, and Blue Cross Blue Shield of Rhode Island offers it in Rhode Island. The monthly premium is calculated using the Attained Age cost method. Before you make a final decision, be sure to compare. Here are a few companies with good rates:
- UnitedHealthcare Medigap Plan C (Rhode Island)
- Globe Life Medigap Plan C (Rhode Island)
- GPM Life Medigap Plan C (Rhode Island)
Blue Cross Blue Shield of Rhode Island offers the Medicare SELECT Plan C policy to Rhode Island seniors. This plan does requires the policyholder to use hospitals and, in some instances, doctors within the company's network in order to receive the full coverage benefits of the plan. Be sure that you compare premiums to make sure you're found the best rate:
You are eligible to apply for a BCBS of Rhode Island Medicare Supplement if you are:
- A resident of Rhode Island,
- Enrolled in Medicare Parts A and B, and
- You are age 65 or over.
BCBS of Rhode Island offers plans in Cranston, Providence, Warwick, Pawtucket, Woonsocket, Coventry and most other areas of the state.
This page is maintained by 9/22/2015.and was last updated on