Rhode Island Medicare Health Insurance

Rhode Island Medicare is health insurance program which covers mostly your health care costs run by Federal government.

Original Medicare is the first Medicare you get when you get Medicare services.

It provides you Part A (Hospital insurance) and Part B (Medical insurance) coverage.

You can buy Medigaps policy to fill the gaps in Original Medicare.

You can join Medicare Prescription Coverage to cover the cost of prescription drugs.

Getting enrolled in Medicare

If you are 65 years of age and already getting benefits from Social security, then you are automatically enrolled in Original Medicare.

Medicare has different ways to give you different benefits.

Medicare Part A is premium free helps to pay for hospital inpatient care, skilled nursing facilities, hospital stay and also hospice care.

Some people have Part A and some have both Part A and Part B.

You will get a Medicard after you are enrolled in Medicare. Medicard will show your Part A and Part B coverage.

Medicare Part B is provided by paying a monthly premium and it helps to pay for doctor?s services, outpatient hospital care and some other medically necessary services.

You may have to pay for copayments, coinsurances and deductibles in Original Medicare.

Cost of Medicare in Rhode Island

Original Medicare compensates the payment for visit to any hospital, clinic or health care provider accepting Medicare services. The approved share is paid by Medicare and the remaining cost has to be bared by the person.

Medicare Part A (Hospital insurance) is premium free, but you have to pay monthly premium for Medicare Part B (Medical insurance).

You pay for Copayments, coinsurance and deductibles which may apply on each of the above services.

If you are covered by Medicare Advantage Plan like a HMO or PPO or Medicare supplement insurance plan (Medigap policy), the cost may differ.

Medicare does not cover all your health care expenses; it covers a part of health care cost.

Initial Enrollment Period

Initial enrollment period is the seven month period in which you are eligible to enroll in Medicare Part B (Medical insurance).

If you enroll late, your coverage start date of Medicare Part B will be delayed.

The initial enrollment period starts from three months before you turn 65, the month in which you attain 65 and end with three months after you complete 65.

Before 65 years 3 months

By signing in this period you can get benefits or coverage of Medicare Part B from your month in which you turn 65

Before 65 years 2 months
Before 65 years 1 month

Month in which you complete 65 years

By signing in this month your Part B start date will be delayed
After 65 years 1 month

By signing in months after you turn 65,your date to get Part B benefits will be delayed
After 65 years 2 months
After 65 years 3 months

Rhode Island Medicare does not cover the following

  • Long term care
  • Routine Dental care
  • Cosmetic surgery
  • Dentures
  • Acupuncture
  • Hearing aids
  • Private nurses
  • Hospital phone and amenities
  • Custodial care
  • Care outside the country
  • Chiropractic visits
  • Laboratory tests
  • Preventive care