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2024

See which of our feature plans work for you

To help you get started finding a 2024 Medicare Advantage plan, we just need you to answer a few quick questions. Then we will provide you with a few of our feature plans—BlueCHiP For Medicare Value (HMO-POS), HealthMate for Medicare (PPO), or BlueRI for Duals (HMO D-SNP)—that may fit your needs. You can research and purchase any of our plans here on our website, or learn more by speaking to a qualified Medicare advisor or at one of our Your Blue Store locations.

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These questions are designed to help you choose a plan. We do not use your answers for any other purpose. Your answers will not affect your ability to get coverage or your monthly premiums. You can choose any plan we offer, not just the plans we recommend.

  1. Subsidies
  2. Premiums
  3. Out of State Access
  4. Out-of-pocket Costs
  5. Dental

Do you receive any state or federal subsidies to help pay for medical services?

Many people get help paying their medical bills through federal or state programs.

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Premiums

Why we ask this question

Some plans are designed with additional benefits for people who receive subsidies. Our Medicare specialists can help you understand what benefits you could receive in various plans..

  1. Subsidies
  2. Premiums
  3. Out of State Access
  4. Out-of-pocket Costs
  5. Dental

Do you prefer to pay a lower monthly premium if it means you would pay more when you go to a doctor or hospital?

Consider how often you might use doctors and labs over the next year, as well as how any premiums fit into your budget.

Next

Out of State Access

Why we ask this question

Plans with a lower premium usually have higher out-of-pocket costs (such as deductibles, coinsurance, and copays) when services are required. Plans with a higher premium typically have lower costs. This question helps us decide whether you would be comfortable with a plan that requires a higher level of copay and out-of-pocket costs when you receive services in exchange for a lower premium.

  1. Subsidies
  2. Premiums
  3. Out of State Access
  4. Out-of-pocket Costs
  5. Dental

Do you need nationwide access to doctors and hospitals?

Different plans provide various levels of coverage for out-of-state services.

Next

Out-of-pocket Costs

Why we ask this question

Some plans do not offer coverage outside of Rhode Island. If you're already seeing providers outside of the state or if you regularly travel, you may prefer to have a plan that provides coverage for these services.

  1. Subsidies
  2. Premiums
  3. Out of State Access
  4. Out-of-pocket Costs
  5. Dental

Would you rather pay a higher monthly premium in order to pay less when you receive medical care?

If a higher monthly premium fits in your budget, and you expect to use medical services over the next year, you might want a plan with lower out-of-pocket costs.

Next

Dental Coverage

Why we ask this question

This helps us decide whether you would be comfortable with a plan that charges more each month in premiums in exchange for generally lower out-of-pocket costs when you receive services.

  1. Subsidies
  2. Premiums
  3. Out of State Access
  4. Out-of-pocket Costs
  5. Dental

Do you want dental coverage included in your plan?

All of our plans include dental coverage, but the benefits vary in each plan.

Find plans for me

Why we ask this question

If you think you will need dental services, you'll want to consider the level of coverage with each plan.

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Based on your answers, we think these plans might work for you.

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Compare these plans

Sometimes it's helpful to compare side by side, so have a look.

Benefit table gets pulled into this space.

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