Rhode Island Medicare Part D Plans

Here’s the complete list of Rhode Island Medicare Part D Plans for 2014Rhode Island Medicare Part D

The are two ways to receive Part D benefits. You can enroll in a Medicare Advantage Plan that includes drug coverage or you can choose a stand-alone Part D Plan.

If you have chosen to receive your medical benefits through original Medicare or original Medicare and a Medigap policy, you should choose one of the 28 Medicare Part D Plans available in Rhode Island for 2014.

The following list will give you an overview of plans available. You should keep in mind that no plan is considered best in all circumstances. Also, the lowest monthly premium does not necessarily equate to the plan with the lowest overall cost.

Once you narrow your list to a few potential choices, you should visit the plan websites to review the formularies as well as the required out-of-pocket costs involved in filling your prescriptions. Doing so will allow you to be certain that your drugs are covered as well as being able to get a true picture of the annual plan costs.

 

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Rhode Island Medicare Part D for 2014


Aetna Medicare

Medicare Part D Plan NameBenefit TypePremiumDeductibleGap CoverageStar Rating
Aetna CVS/pharmacy Prescription Drug Plan (PDP)Basic $26.30 $310.00No Gap CoverageComing Soon
Aetna Medicare Rx Premier (PDP)Enhanced $120.50 $0Few GenericsComing Soon



Blue Cross & Blue Shield of Rhode Island

Medicare Part D Plan NameBenefit TypePremiumDeductibleGap CoverageStar Rating
Blue MedicareRx Premier (PDP)Enhanced $99.70 $0Many Generics, Few BrandsComing Soon
Blue MedicareRx Value Plus (PDP)Basic $33.30 $225.00No Gap CoverageComing Soon



Cigna Medicare Rx

Medicare Part D Plan NameBenefit TypePremiumDeductibleGap CoverageStar Rating
Cigna Medicare Rx Secure (PDP)Basic $27.60 $310.00No Gap CoverageComing Soon
Cigna Medicare Rx Secure-Max (PDP)Enhanced $113.80 $0Many Generics, Some BrandsComing Soon
Cigna Medicare Rx Secure-Xtra (PDP)Enhanced $58.20 $0No Gap CoverageComing Soon



Cigna-HealthSpring

Medicare Part D Plan NameBenefit TypePremiumDeductibleGap CoverageStar Rating
Cigna-HealthSpring Rx -Reg 2 (PDP)Basic $33.40 $310.00No Gap CoverageComing Soon



EnvisionRx Plus

Medicare Part D Plan NameBenefit TypePremiumDeductibleGap CoverageStar Rating
EnvisionRxPlus Silver (PDP)Basic $48.80 $310.00No Gap CoverageComing Soon



Express Scripts Medicare

Medicare Part D Plan NameBenefit TypePremiumDeductibleGap CoverageStar Rating
Express Scripts Medicare – Choice (PDP)Enhanced $49.50 $0No Gap CoverageComing Soon
Express Scripts Medicare – Value (PDP)Basic $44.20 $310.00No Gap CoverageComing Soon



First Health Part D

Medicare Part D Plan NameBenefit TypePremiumDeductibleGap CoverageStar Rating
First Health Part D Essentials (PDP)Basic $48.40 $310.00No Gap CoverageComing Soon
First Health Part D Premier Plus (PDP)Enhanced $99.30 $0Some Generics, Some BrandsComing Soon
First Health Part D Value Plus (PDP)Enhanced $45.90 $0No Gap CoverageComing Soon



HealthMarkets Medicare

Medicare Part D Plan NameBenefit TypePremiumDeductibleGap CoverageStar Rating
HealthMarkets Value Rx (PDP)Basic $25.30 $310.00No Gap CoverageComing Soon



Humana Insurance Company

Medicare Part D Plan NameBenefit TypePremiumDeductibleGap CoverageStar Rating
Humana Enhanced (PDP)Enhanced $46.90 $0Few BrandsComing Soon
Humana Preferred Rx Plan (PDP)Basic $22.80 $310.00No Gap CoverageComing Soon
Humana Walmart Rx Plan (PDP)Enhanced $12.60 $310.00No Gap CoverageComing Soon



Stonebridge Life Insurance Company

Medicare Part D Plan NameBenefit TypePremiumDeductibleGap CoverageStar Rating
Transamerica MedicareRx Choice (PDP)Enhanced $51.70 $0No Gap CoverageComing Soon
Transamerica MedicareRx Classic (PDP)Basic $40.90 $310.00No Gap CoverageComing Soon



UniCare

Medicare Part D Plan NameBenefit TypePremiumDeductibleGap CoverageStar Rating
MedicareRx Rewards Standard (PDP)Basic $51.10 $310.00No Gap CoverageComing Soon



United American Insurance Company

Medicare Part D Plan NameBenefit TypePremiumDeductibleGap CoverageStar Rating
United American – Enhanced (PDP)Enhanced $61.20 $120.00No Gap CoverageComing Soon
United American – Select (PDP)Basic $38.80 $310.00No Gap CoverageComing Soon



United Healthcare

Medicare Part D Plan NameBenefit TypePremiumDeductibleGap CoverageStar Rating
AARP MedicareRx Enhanced (PDP)Enhanced $100.70 $0Some Generics, Some BrandsComing Soon
AARP MedicareRx Preferred (PDP)Enhanced $40.60 $0No Gap CoverageComing Soon
AARP MedicareRx Saver Plus (PDP)Basic $21.50 $310.00No Gap CoverageComing Soon



WellCare

Medicare Part D Plan NameBenefit TypePremiumDeductibleGap CoverageStar Rating
WellCare Classic (PDP)Basic $22.30 $0No Gap CoverageComing Soon
WellCare Extra (PDP)Enhanced $50.90 $0No Gap CoverageComing Soon



 

Choosing the right plan

Part D is not a one size fits all product. A recommendation from a neighbor or well intentioned family member may not be your best option. You must review the features of each plan measured against your budget and required medications.

By visiting a plan’s website, you can learn the following:

  • Whether your drugs are included in the plan’s formulary
  • Which tier drugs are placed in
  • The amount copayment or coinsurance required for each drug
  • Which pharmacies are in-network
  • Whether or not there are preferred pharmacies that can save you money
  • The mail order benefits

All of these factors are important, but none as important as the formulary. If you prescriptions will not be covered by a particular plan, you should continue shopping. With 28 Part D Plans available in Rhode Island, you should be able to find a suitable plan.

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