MEDICARE ADVANTAGE · WASHINGTON COUNTY, RI · 2027
Medicare Advantage Plans in
Washington County, Rhode Island for 2027
21 plans listed for South Kingstown, North Kingstown, Narragansett, Westerly, Charlestown and more. Real premiums and out-of-pocket limits from the CMS 2027 plan file.
Medicare Plans for Washington County in 2027
Washington County, often called South County, includes South Kingstown, North Kingstown, Narragansett, Westerly, Charlestown, Exeter, Hopkinton, Richmond and New Shoreham (Block Island). The CMS 2027 plan landscape file lists 21 Medicare Advantage plans for Washington County: 9 with drug coverage, 3 without, and 9 special needs plans for people who qualify. Aetna's plans here are PPO plans; the file does not list Aetna Medicare Prime Care (HMO-POS) for Washington County.
Washington County stretches from North Kingstown to Westerly and includes Block Island. If you travel for care, or spend part of the year somewhere else, compare the plan types in the tables below. A PPO plan usually lets you see doctors outside its network at a higher cost. An HMO-POS plan usually does not. We check your doctors and pharmacy against each plan.
Source: CMS 2027 plan landscape file, September 2026 (file updated September 22, 2026). Plan details can change before January 1, 2027.
Cities and Towns in Washington County
The plans below are listed for the whole county, so they apply in every one of these 9 cities and towns:
Plans With Drug Coverage (9)
These plans bundle your medical coverage and prescription drug coverage in one plan. "Total per month" is the plan premium plus the drug premium. You also pay your Medicare Part B premium.
| Plan and company | Plan type | Plan premium | Drug premium | Total per month | Most you pay a year (in network) | Drug deductible |
|---|---|---|---|---|---|---|
| Aetna Medicare Enhanced Aetna Medicare | PPO | $25.10 | $28.90 | $54.00 | $7,150 | $700 |
| Aetna Medicare Signature Aetna Medicare | PPO | $0 | $0 | $0 | $7,150 | $700 |
| BlueCHiP for Medicare Access Blue Cross & Blue Shield of Rhode Island | HMO-POS | $0 | $31.30 | $31.30 | $6,000 | $700 |
| BlueCHiP for Medicare Enhanced Blue Cross & Blue Shield of Rhode Island | HMO-POS | $0 | $39.00 | $39.00 | $6,750 | $500 |
| BlueCHiP for Medicare Essential Blue Cross & Blue Shield of Rhode Island | HMO-POS | $0 | $0 | $0 | $6,750 | $500 |
| BlueCHiP for Medicare Extra Blue Cross & Blue Shield of Rhode Island | HMO-POS | $0 | $159.00 | $159.00 | $6,000 | $450 |
| AARP Medicare Advantage from UHC RI-0001 UnitedHealthcare | HMO-POS | $8.00 | $40.00 | $48.00 | $5,400 | $595 |
| AARP Medicare Advantage from UHC RI-0002 UnitedHealthcare | HMO-POS | $0 | $0 | $0 | $6,300 | $685 |
| AARP Medicare Advantage from UHC RI-0003 UnitedHealthcare | PPO | $0 | $27.00 | $27.00 | $7,150 | $685 |
The CMS file does not list a medical deductible. "Most you pay a year" is the plan's in-network maximum out-of-pocket for covered Medicare Part A and Part B services. For these plans it runs from $5,400 to $7,150. HMO-POS plans usually ask you to use the plan's network. PPO plans usually let you go outside it, at a higher cost.
Plans Without Drug Coverage (3)
These plans cover medical care only, with no drug coverage built in. If you choose one, you can add a stand-alone Part D drug plan.
| Plan and company | Plan type | Monthly premium | Most you pay a year (in network) |
|---|---|---|---|
| Aetna Medicare Eagle Giveback Aetna Medicare | PPO | $0 | $7,150 |
| BlueCHiP for Medicare Core Blue Cross & Blue Shield of Rhode Island | HMO | $0 | $5,000 |
| AARP Medicare Advantage Patriot No Rx RI-MA01 UnitedHealthcare | HMO-POS | $0 | $6,200 |
Special Needs Plans (9)
You can only join these if you meet the plan's rules, such as having both Medicare and Medicaid.
| Plan and company | Plan type | Who it is for | Total per month | Most you pay a year (in network) |
|---|---|---|---|---|
| BlueRI for Duals Blue Cross & Blue Shield of Rhode Island | HMO D-SNP | People who have both Medicare and Medicaid | $31.20 | $9,850 |
| Neighborhood Dual CONNECT Neighborhood Health Plan of Rhode Island | HMO D-SNP | People who have both Medicare and Medicaid | $21.60 | $9,850 |
| Neighborhood INTEGRITY for Duals Neighborhood Health Plan of Rhode Island | HMO D-SNP | People who have both Medicare and Medicaid | $29.10 | $9,850 |
| UHC Complete Care RI-4 UnitedHealthcare | HMO-POS C-SNP | People with certain long-term health conditions | $0 | $5,900 |
| UHC Dual Advantage RI-V1 UnitedHealthcare | HMO-POS D-SNP | People who have both Medicare and Medicaid | $0.40 | $4,900 |
| UHC Dual Complete RI-Q1 UnitedHealthcare | PPO D-SNP | People who have both Medicare and Medicaid | $3.40 | $9,850 |
| UHC Dual Complete RI-Q2 UnitedHealthcare | HMO-POS D-SNP | People who have both Medicare and Medicaid | $0 | $9,850 |
| UHC Dual Complete RI-S3 UnitedHealthcare | HMO-POS D-SNP | People who have both Medicare and Medicaid | $3.10 | $9,850 |
| UHC Nursing Home Plan RI-F001 UnitedHealthcare | PPO I-SNP | People who live in a nursing home | $0 | $9,850 |
Stand-Alone Part D Drug Plans: 10
The same 10 stand-alone Part D prescription drug plans are listed for every Rhode Island county, including Washington County. Their total monthly premiums run from $13.30 to $284.70. These are for people who keep Original Medicare, or who choose a Medicare Advantage plan without drug coverage. We can compare them for you.
Source: CMS 2027 plan landscape file, September 2026.
Who We Can Help You Enroll With
We can help you enroll in plans from Aetna Medicare, Blue Cross & Blue Shield of Rhode Island and UnitedHealthcare, which all have plans in Washington County. We do not offer every plan available in your area. The file also lists plans from Neighborhood Health Plan of Rhode Island. We have not listed that company among the ones we help you enroll with. For those plans, use Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Assistance Program (SHIP).
There is no charge to talk with us. Omar Catlin checks your doctors, your hospital and your prescriptions against the plans in your county, then explains the choices.
Already Have a Medigap Plan? Rhode Island Lets You Switch Every Fall
Medigap (Medicare Supplement) is different from Medicare Advantage, and Rhode Island has a rule that helps people in Washington County who already have one:
- When: every year from October 15 to December 7.
- Who: people who already have a Medigap plan and have not gone more than 90 days without Medigap coverage since they first enrolled.
- What it means: you can move to a different Medigap plan without being turned down for your health. The new plan starts January 1.
Thinking about moving from Plan G to Plan N, or back? Read our Plan G vs Plan N comparison.
Source: Rhode Island Office of the Health Insurance Commissioner, Bulletin 2025-05. Eligibility rules can change; we confirm yours before you apply.
Frequently Asked Questions
How many Medicare Advantage plans are available in Washington County, RI for 2027?
The CMS 2027 plan landscape file (September 2026) lists 21 Medicare Advantage plans for Washington County: 9 with drug coverage, 3 without drug coverage, and 9 special needs plans for people who qualify. It also lists 10 stand-alone Part D drug plans for Rhode Island.
Are there $0 premium Medicare Advantage plans in Washington County?
Yes. The file lists 3 plans with drug coverage and a total monthly plan premium of $0 in Washington County: Aetna Medicare Signature, BlueCHiP for Medicare Essential and AARP Medicare Advantage from UHC RI-0002. You still pay your Medicare Part B premium, and copays and deductibles apply. Premiums and benefits can change, so we confirm them before you enroll.
Do these plans include prescription drug coverage?
9 of the 12 regular plans in Washington County include drug coverage. The 3 plans without it are listed in a separate table. If you pick a plan without drug coverage, you can add a stand-alone Part D plan. The file lists 10 of them for Rhode Island, with total monthly premiums from $13.30 to $284.70.
Which cities and towns are in Washington County?
South Kingstown, North Kingstown, Narragansett, Westerly, Charlestown, Exeter, Hopkinton, Richmond, New Shoreham. The plans listed on this page are offered in all of them. Whether your doctors take a plan depends on the plan's network, so we check your doctors before you enroll.
When can I change my Medicare Advantage plan for 2027?
The Annual Enrollment Period runs October 15 to December 7. A plan you choose in that window starts January 1, 2027. We can help you enroll in plans from Aetna Medicare, Blue Cross & Blue Shield of Rhode Island and UnitedHealthcare.
I already have a Medigap plan in Washington County. Can I switch plans this fall?
In Rhode Island, people who already have a Medigap plan can switch to a different Medigap plan every year from October 15 to December 7, without being turned down for health reasons, as long as they have not gone more than 90 days without Medigap coverage since they first enrolled (Rhode Island Office of the Health Insurance Commissioner, Bulletin 2025-05). See our Plan G vs Plan N page.
Medicare Plans in Other Rhode Island Counties
Related Medicare Resources
Compare Washington County Medicare Plans
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