Best Medicare Advantage Plans in Rhode Island for 2027
Every general-audience Medicare Advantage plan with drug coverage in Rhode Island, ranked by what it could cost you in a bad year: 12 months of premiums, less any Part B giveback, plus the plan's in-network out-of-pocket maximum. Pick your county to see only the plans sold there.
Rhode Island plans, ranked
Showing all 10 plans.
| # | Plan | Premium / month | In-network max out-of-pocket | Worst-case year | Stars |
|---|---|---|---|---|---|
| 1 | AARP Medicare Advantage from UHC RI-0001 (HMO-POS)UnitedHealthcare · HMO-POSAll 5 counties · drug deductible $595Dental up to $2,000/yr · eyewear $100/yr · hearing aids $700/yr | $48 | $5,400 | $5,976 | 4★ |
| 2 | AARP Medicare Advantage from UHC RI-0002 (HMO-POS)UnitedHealthcare · HMO-POSAll 5 counties · drug deductible $685Preventive dental · eyewear $100/yr · hearing aids $700/yr | $0 | $6,300 | $6,300 | 4★ |
| 3 | BlueCHiP for Medicare Access (HMO-POS)Blue Cross & Blue Shield of Rhode Island · HMO-POSAll 5 counties · drug deductible $700Dental up to $1,500/yr · eyewear $200/yr · OTC items $100/yr | $31.30 | $6,000 | $6,376 | 3.5★ |
| 4 | BlueCHiP for Medicare Essential (HMO-POS)Blue Cross & Blue Shield of Rhode Island · HMO-POSAll 5 counties · drug deductible $500Preventive dental up to $500/yr · eyewear $100/yr | $0 | $6,750 | $6,750 | 3.5★ |
| 5 | Aetna Medicare Prime Care (HMO-POS)Aetna Medicare · HMO-POS2 of 5 counties · drug deductible $400Dental up to $1,000/yr · eyewear $125/yr · OTC items $300/yr | $0 | $6,900 | $6,900 | 3★ |
| 6 | Aetna Medicare Signature (PPO)Aetna Medicare · PPOAll 5 counties · drug deductible $700Preventive dental · eyewear $100/yr | $0 | $7,150 | $7,150 | 4★ |
| 7 | BlueCHiP for Medicare Enhanced (HMO-POS)Blue Cross & Blue Shield of Rhode Island · HMO-POSAll 5 counties · drug deductible $500Dental up to $2,000/yr · eyewear $200/yr · OTC items $100/yr | $39 | $6,750 | $7,218 | 3.5★ |
| 8 | AARP Medicare Advantage from UHC RI-0003 (PPO)UnitedHealthcare · PPOAll 5 counties · drug deductible $685Preventive dental · eyewear $100/yr · hearing aids $700/yr | $27 | $7,150 | $7,474 | 4★ |
| 9 | Aetna Medicare Enhanced (PPO)Aetna Medicare · PPOAll 5 counties · drug deductible $700Dental up to $1,500/yr · eyewear $150/yr | $54 | $7,150 | $7,798 | 4★ |
| 10 | BlueCHiP for Medicare Extra (HMO-POS)Blue Cross & Blue Shield of Rhode Island · HMO-POSAll 5 counties · drug deductible $450Dental up to $2,500/yr · eyewear $300/yr · OTC items $160/yr | $159 | $6,000 | $7,908 | 3.5★ |
Worst-case year = 12 × (monthly plan premium − any Part B giveback) + in-network maximum out-of-pocket, for covered Part A and B services. A giveback lowers the Part B premium you’d otherwise pay ($202.90 a month in 2026), so it counts as money back; a plan with a large giveback can show a worst-case year below $0. The Part B premium itself is the same for everyone, and drug costs are capped separately at $2,400 for 2027. Out-of-network care in PPO plans has a higher limit. Ties go to the lower premium. Other extras (dental, eyewear, hearing aids, over-the-counter allowance) are the yearly maximums each plan filed with CMS; they don’t change the order. Methodology
Before you enroll, check two things this ranking can’t: whether your doctors are in the plan’s network, and how it covers your drugs. Both are in the official Medicare Plan Finder. Star ratings are CMS’s 2027 quality scores (1 to 5) for the company contract behind each plan; they’re shown for context and don’t change the cost order.
Plans without drug coverage
These 3 plans don’t include Part D. They mainly suit people with drug coverage from elsewhere, such as the VA or TRICARE. Joining one generally means you can’t also join a stand-alone Part D plan, and going without creditable drug coverage can trigger a late enrollment penalty.
| # | Plan | Premium / month | In-network max out-of-pocket | Worst-case year | Stars |
|---|---|---|---|---|---|
| 1 | AARP Medicare Advantage Patriot No Rx RI-MA01 (HMO-POS)UnitedHealthcare · HMO-POSAll 5 countiesPart B giveback $130/mo · Dental up to $3,000/yr · eyewear $150/yr · hearing aids $1,000/yr | $0−$130 Part B giveback | $6,200 | $4,640 | 4★ |
| 2 | BlueCHiP for Medicare Core (HMO)Blue Cross & Blue Shield of Rhode Island · HMOAll 5 countiesDental up to $1,500/yr · eyewear $150/yr · OTC items $200/yr | $0 | $5,000 | $5,000 | 3.5★ |
| 3 | Aetna Medicare Eagle Giveback (PPO)Aetna Medicare · PPOAll 5 countiesPart B giveback $90/mo · Dental up to $2,000/yr · eyewear $300/yr · OTC items $360/yr | $0−$90 Part B giveback | $7,150 | $6,070 | 4★ |
County pages
Kent County · Providence County · Washington County
Questions
How many Medicare Advantage plans are available in Rhode Island for 2027?
CMS lists 10 general-audience Medicare Advantage plans with drug coverage in Rhode Island for 2027, from 3 parent companies. Not every plan is sold in every county; use the county filter to see yours.
Are there $0 premium Medicare Advantage plans in Rhode Island?
Yes. 4 of the 10 plans have a $0 monthly plan premium in 2027. You still pay the Part B premium ($202.90 a month in 2026).
Which Rhode Island Medicare Advantage plan has the lowest worst-case cost?
AARP Medicare Advantage from UHC RI-0001 (HMO-POS) from UnitedHealthcare: $48 a month with an in-network out-of-pocket maximum of $5,400, so at most about $5,976 in premiums and in-network costs for the year. It is offered in 5 of 5 counties.
Which Rhode Island Medicare Advantage plans have 4 or more stars?
5 of the 10 plans belong to contracts CMS rated 4 stars or higher for 2027. Star ratings measure quality and member experience, not cost; the table shows each plan's rating next to its worst-case cost.
Which Rhode Island Medicare Advantage plans have a Part B giveback?
None of the 10 plans with drug coverage files a Part B premium reduction for 2027.
What is the typical out-of-pocket maximum in Rhode Island?
The median in-network out-of-pocket maximum among these plans is $6,750. CMS allows up to $9,850 in 2027.
Sources
- CMS, CY 2027 Medicare Advantage and Prescription Drug Plan Landscape (CY2027_Landscape_202609.csv), from cms.gov; extra benefits (Part B giveback, dental, eyewear, hearing aids, over-the-counter allowance) from the CMS CY 2027 Plan Benefit Package files, cms.gov, yearly amounts as each plan filed them; star ratings from the CMS 2027 Star Ratings Data Tables (October 8, 2026), cms.gov. Ratings are per contract, so plans under the same contract share one rating. General-audience plans only: Special Needs Plans, Cost plans and employer group plans are not ranked.
- CMS, 2026 Part B premium — cms.gov.
Educational information, not a recommendation to join any plan. We are not an insurance agent or broker, and we are not connected with or endorsed by the U.S. government or the federal Medicare program. Plan details can change; confirm with the plan or Medicare.gov. · Advertiser disclosure
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