If you live in Rhode Island, this Medigap AEP update is great news. You can now switch Medicare Supplement plans during the Annual Enrollment Period — no medical questions, no underwriting, and no stress. Here’s how to qualify, when to apply, and how to make the most of this new rule.

What Is the Rhode Island Medigap AEP Update?

Something big just changed for Medicare beneficiaries in Rhode Island. For years, switching Medigap plans meant dealing with health questions, underwriting, and sometimes rejection. But this year, things are different—and in the best possible way.

Starting in 2025, Rhode Island now allows current Medigap enrollees—or those enrolled in Medicare Advantage who wish to switch—to apply for any available Medicare Supplement plan during the Annual Enrollment Period (AEP)—without answering health questions. Let Senior65.com show you how to leverage this law to find a better premium today.

👉 Want to see all Medigap rules in Rhode Island? Check our full guide: Rhode Island Medigap Plans: Get the Facts— it covers every enrollment option and switching right available in the state.

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Who Qualifies for Rhode Island’s New Medigap Guaranteed-Issue Rule During AEP

To qualify for Rhode Island’s new Medigap rule, you must:

  • Be enrolled in both Medicare Parts A and B when your new plan starts (January 1).
  • Have continuous coverage under a Medigap or Medicare Advantage plan, with no gap longer than 90 days.
  • If moving from Medicare Advantage to Medigap, disenroll from your MA plan before your Medigap coverage begins.
  • Apply during AEP (October 15–December 7).

💡 Good news for those under 65: This rule also applies to individuals on Medicare due to disability or ESRD, guaranteeing access to Plan A in Rhode Island.

💡 Tip: Timing is everything—apply early to avoid gaps. Call 800-930-7956 if you want help coordinating your switch.

When and How to Use the Rhode Island Medigap AEP Window

The Rhode Island Medigap AEP runs October 15 through December 7. All approved changes take effect January 1. Here’s how to use it:

  1. Compare premiums early. Use Senior65.com’s Medigap Instant Quote tool to find the lowest rates for your preferred plan (like Plan G or N).
  2. Apply and certify eligibility. Confirm your continuous coverage and active Medicare enrollment.
  3. Provide proof of coverage. Include your policy ID card or plan pages.

💡 Tip: Don’t wait until the last week of AEP. Start comparing plans early so you have time to ask questions and gather documents. You can compare Medigap rates online at Senior65.com or speak with one of our licensed agents at 800-930-7956.

Which Medigap Plans Can You Switch To Under the New Rule?

Under the new rule, you can switch to any Medigap plan currently sold in Rhode Island—like Plan G, Plan N, or High-Deductible G—without medical underwriting. Applicants under 65 qualify for Plan A, which still provides essential coverage and is a big step toward fairness and access.

💡 Remember: Medigap plans are standardized by law. That means benefits stay the same—only premiums differ. Switching during this new AEP window could cut your monthly cost immediately.

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FAQs: Rhode Island Medigap AEP Update Explained

Q: Can I switch from Medicare Advantage to Medigap during AEP in Rhode Island?
A: Yes. As long as you meet eligibility rules, you’re guaranteed acceptance—no medical questions.

Q: Does this apply to all Medigap insurers in Rhode Island?
A: Yes. Every Medigap carrier in Rhode Island must honor this guaranteed-issue rule.

Q: Does this law replace the standard AEP?
A: No. The AEP is the general period when everyone can change Medicare Advantage and Part D Prescription Drug plans. This new law adds a Guaranteed-Issue right for Medigap only in Rhode Island, making AEP the new key switching window for Medigap, too.

Q: Do I need to inform my old carrier that I’m switching?
A: Yes, if you are switching from one Medigap plan to another, you will need to contact your old plan to tell them you are leaving. If you are switching from Medicare Advantage to Medigap, you should enroll in a Part D drug plan between oct 15 and dec 7. Enrolling in an drug plan during this time will automatically will automatically disenroll you from your MA plan.

Q: Do I need to stay with the same insurance company?
A: No. You can switch to any insurer offering Medigap plans in Rhode Island.

Q: What happens if I miss the AEP window?
A: You’ll lose guaranteed-issue rights and may need medical underwriting to switch later. You can always switch again during AEP the next year if you missed this year’s option.

Next Steps: How to Make the Most of the New Legislation

For the first time, Rhode Island seniors can switch Medigap plans during AEP — no underwriting, no health questions, no delays.

Here’s your quick checklist:

  • Mark your calendar: October 15 – December 7.
  • Compare Medigap plans here to find lower premiums or better service.
  • Gather your policy info before applying.
  • Call 800-930-7956 for free, friendly guidance.

👉 Apply before December 7 to lock in your new coverage for January 1.

✅ Before you switch, make sure you know every Medigap rule that applies in Rhode Island.
Read our complete state guide here: Rhode Island Medigap Plans: Get the Facts.