Medicare Advantage Plans in Rhode Island 2026
Last reviewed: June 2026 · Data sourced from CMS.gov
Rhode Island is a small but mature Medicare Advantage market. Tufts Health Plan and UnitedHealthcare are among the larger carriers. Providence has solid plan availability, and the state's small geography means most residents are within range of the same plans regardless of where they live.
roughly 43%
of beneficiaries in Advantage plans
about 230,000
total Medicare beneficiaries
$0–$50
typical monthly premium range
Plan availability varies by county. Enter your ZIP code to see the exact plans, premiums, and coverage available where you live in Rhode Island.
What to Look for in a Rhode Island Medicare Advantage Plan
- ✓ Whether your current doctors and specialists are in-network
- ✓ Drug formulary — does it cover your prescriptions at a reasonable cost?
- ✓ Monthly premium and annual out-of-pocket maximum
- ✓ Extra benefits: dental, vision, hearing, fitness programs
- ✓ Star rating — CMS rates plans from 1 to 5 stars based on quality and member experience
- ✓ HMO vs. PPO — HMOs require referrals and restrict out-of-network care; PPOs are more flexible
2026 Medicare Advantage Costs in Rhode Island
| Cost | Typical Range |
|---|---|
| Monthly premium | $0 to $50 (many plans at $0) |
| Annual out-of-pocket maximum | Up to $9,350 in-network (2026 CMS limit) |
| Primary care visit copay | $0 to $20 typical |
| Specialist visit copay | $20 to $50 typical |
| Inpatient hospital stay | $250 to $350/day for first few days (varies by plan) |
| Part B premium (always required) | $202.90/month standard (2026) |
Medicare Advantage vs. Medigap in Rhode Island
Rhode Island's compact size makes Medigap pricing relatively uniform across the state. The close proximity to major hospitals in Providence and Boston makes Medigap attractive for residents who want access to both markets.
Data note: Plan information is sourced from the U.S. Centers for Medicare and Medicaid Services (CMS). Premiums, coverage, and plan availability change annually. Contact a licensed Medicare agent or visit Medicare.gov for current, binding quotes.