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Rhode Island · 2026 plan year

Medicare Advantage PPO plans in Rhode Island

There are 6 Medicare Advantage PPO plans in Rhode Island from 2 carriers, averaging 4.10 out of 5 stars across the 5 plans CMS has rated. Nearly all charge no monthly plan premium, so what separates them is network, drug coverage and how much you could owe in a bad year.

6
PPO plans
2
Carriers
5
Counties covered
4.1
Avg stars (5 of 6 rated)
Varies
Avg out-of-pocket max
A $0 plan premium is not a free plan. You still pay your Part B premium to Medicare, plus copays and coinsurance as you use care. Star ratings are published by CMS per contract, so every plan a carrier files under the same contract shares one rating — it describes the carrier’s performance, not this specific plan’s benefits. Estimate your real costs.

Only two insurers sell Medicare Advantage PPO plans in Rhode Island.

All 6 PPO plans here come from UnitedHealthcare and Aetna Medicare. With the field this narrow, the decision is mostly about which plan design inside that network fits your care — so start by confirming your doctors and hospitals are in it.

Rhode Island has one of the smallest Medicare Advantage PPO markets in the country.

There are 6 PPO plans here from 2 insurers, against an average of about 51 per state. Fewer options makes the comparison quicker, but it also means one plan's network or drug list can decide the whole choice.

Not sure whether Medicare Advantage suits you at all? Medicare Advantage vs Original Medicare covers the trade in plain language.

Highest rated

Top-rated PPO plans in Rhode Island

PlanStarsOut-of-pocket maxPremium / mo
Aetna Medicare Signature (PPO)Aetna Medicare4.5★—$0
Aetna Medicare Value Plus (PPO)Aetna Medicare4.5★—$0
UHC Nursing Home Plan RI-F001 (PPO I-SNP)UnitedHealthcare · Institutional SNP4.5★—$0
AARP Medicare Advantage from UHC RI-0003 (PPO)UnitedHealthcare3.5★—$0
UnitedHealthcare Group Medicare Advantage (Regional PPO)UnitedHealthcare3.5★——

Showing 5 of 6. See all Rhode IslandMedicare Advantage plans →

Who sells here

PPO plans by carrier

CarrierPlansAvg starsSNPs
UnitedHealthcareUnitedHealth Group, Inc.43.82
Aetna MedicareCVS Health Corporation24.5—
Other plan types in Rhode Island

How PPO compares

HMO
3.9★ avg · 4 carriers
17 plans
PPO
4.1★ avg · 2 carriers
6 plans · you are here

All Rhode IslandMedicare Advantage plans →

Nearby on quality

States with similar PPO star ratings

Nevada
4.10★ average
20 PPO plans
Michigan
4.07★ average
89 PPO plans
South Carolina
4.04★ average
45 PPO plans
Common questions

Rhode Island Medicare Advantage PPO plans, answered

How much do Medicare Advantage PPO plans cost in Rhode Island?
Of the Rhode Island PPO plans with a published premium, 100% charge $0 a month. A $0 premium does not mean the plan is free: you still pay your Part B premium to Medicare, plus copays and coinsurance as you use care. The number that actually caps a bad year is the plan's out-of-pocket maximum — check it on each plan, since CMS does not publish it uniformly for PPO plans.
What are the star ratings for Rhode Island PPO plans?
The 5 rated PPO plans in Rhode Island average 4.10 out of 5 stars, with 3 rating 4 or better. CMS rates a contract rather than an individual plan, so every plan a carrier files under the same contract shares one score. A contract that is too new or has too little data is not rated at all, which is different from rating badly.
How many Medicare Advantage PPO plans are available in Rhode Island?
There are 6 PPO plans from 2 carriers, sold across 5 counties. Availability is set by county, so the plans you can actually join depend on where you live — the full list is rarely available in any one place. 2 of them are Special Needs Plans with extra eligibility rules (see below).
Do Rhode Island PPO plans include prescription drug coverage?
6 of the 6 PPO plans here bundle Part D drug coverage into the plan. That is the usual arrangement for Medicare Advantage and there is no separate drug premium for it — the plan premium covers both. If you join a Medicare Advantage plan without drug coverage, you generally cannot add a standalone Part D plan alongside it.
What is a Special Needs Plan, and are there any in Rhode Island?
2 of the 6 PPO plans in Rhode Island are Special Needs Plans. SNPs limit enrollment to people who also have Medicaid, live in a nursing home or similar institution, or have a qualifying chronic condition. They often carry richer benefits for that group, but if you do not meet the criteria you cannot join one — so the real number of plans open to you may be lower than the total.

A $0 premium is not the whole cost.
See what a year really looks like.

Simplivera models your actual annual costs across Rhode Island Medicare Advantage plans.

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