Medicare Advantage
Medicare and Medicaid in Rhode Island: 7 Dual Special Needs Plans for 2027
PROVIDENCE — Rhode Islanders who have both Medicare and Medicaid will have 7 Dual Special Needs Plans (D-SNPs) to consider for 2027, drawn from the 22 Medicare Advantage plans offered statewide, according to the Centers for Medicare & Medicaid Services (CMS) Medicare Advantage Landscape Source Files for CY2027. Three carriers are in the D-SNP market in the state: Blue Cross & Blue Shield of Rhode Island, Neighborhood Health Plan of Rhode Island, and UnitedHealthcare. Alongside the D-SNPs, CMS also lists 1 Chronic Condition SNP (C-SNP) and 1 Institutional SNP (I-SNP) for 2027.
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Key takeaways
- Rhode Island has 7 D-SNPs listed statewide for 2027, from Blue Cross & Blue Shield of Rhode Island, Neighborhood Health Plan of Rhode Island, and UnitedHealthcare.
- D-SNPs are only for people whose dual eligibility is confirmed by the Rhode Island Executive Office of Health and Human Services (the state Medicaid agency).
- The Annual Enrollment Period for 2027 runs October 15 – December 7, 2026, and the plan you pick takes effect January 1, 2027.
- Most dual-eligible residents can change plans more often than other Medicare members through a monthly Special Enrollment Period.
| Fact | Figure | Source |
|---|---|---|
| Part B standard monthly premium (2026) | $202.90 | Medicare.gov |
| Part D out-of-pocket cap (2026) | $2,100 | CMS |
| Part D out-of-pocket cap (2027) | $2,400 | CMS |
| Annual Enrollment Period (for 2027 coverage) | October 15 – December 7, 2026 | Medicare.gov |
| Medicare Advantage Open Enrollment Period | January 1 – March 31 | Medicare.gov |
Area counts are for the county as a whole and are not a recommendation of any plan. Program figures are set nationally.
Specific plan names and county availability are shown in the tables elsewhere on this page.
What is a D-SNP and who qualifies for one in Rhode Island?
A Dual Special Needs Plan is a type of Medicare Advantage plan built for people who have both Medicare and Medicaid, and in Rhode Island eligibility must be confirmed by the state Medicaid agency (the Executive Office of Health and Human Services) before enrollment is complete. D-SNPs coordinate the two programs under one plan, with Medicare paying first and Medicaid filling in where it is responsible.
Dual eligibility comes in two broad forms. "Full" duals qualify for the complete Medicaid benefit along with Medicare. "Partial" duals qualify for help through one of the Medicare Savings Programs (such as QMB, SLMB, or QI), which can pay Medicare premiums and, in some cases, cost sharing. Different D-SNPs serve different subsets of this population, so the state's confirmation of your category determines which plans you are eligible to join. The seven D-SNPs listed for Rhode Island in 2027 are shown in the plan table on this page.
How many D-SNPs are offered in Rhode Island for 2027, and which carriers offer them?
Rhode Island has 7 D-SNPs for 2027 — part of the 22 total Medicare Advantage plans in the state — offered by three carriers: Blue Cross & Blue Shield of Rhode Island (1 plan), Neighborhood Health Plan of Rhode Island (2 plans), and UnitedHealthcare (4 plans). CMS also records 1 C-SNP and 1 I-SNP for the state.
The Blue Cross & Blue Shield of Rhode Island D-SNP is BlueRI for Duals. Neighborhood Health Plan of Rhode Island offers Neighborhood Dual CONNECT and Neighborhood INTEGRITY for Duals. UnitedHealthcare offers four D-SNPs, including renamed versions of plans that existed in 2026: UHC Dual Advantage RI-V1 (previously UHC Dual Complete RI-V001), UHC Dual Complete RI-Q1 (previously RI-S001), UHC Dual Complete RI-Q2 (previously RI-S002), and UHC Dual Complete RI-S3. If you were enrolled in one of the renamed UnitedHealthcare plans in 2026, you'll see the new name on 2027 materials; CMS treats these as continuations.
All seven are HMO, HMO-POS, or PPO D-SNPs with drug coverage included. The full list, with plan type and county footprint, is in the table on this page.
How often can a dual-eligible person in Rhode Island change plans in 2027?
Dual-eligible Rhode Islanders generally have more flexibility to change Medicare plans than other beneficiaries, through a Special Enrollment Period that is available once per calendar quarter in the first three quarters of 2027 (January–March, April–June, July–September). That SEP lets you switch D-SNPs or move between a D-SNP and Original Medicare with a stand-alone Part D plan once in each of those quarters.
Everyone with Medicare can also use the Annual Enrollment Period, October 15 – December 7, 2026, for coverage that starts January 1, 2027. From January 1 through March 31, 2027, the Medicare Advantage Open Enrollment Period 2027 allows one additional change for people already in a Medicare Advantage plan. If you lose Medicaid eligibility, a separate SEP is triggered so you can move to coverage that fits your new status. These dates come from Medicare.gov.
How do I check which D-SNPs are offered in my Rhode Island county for 2027?
A D-SNP is sold county by county, so a plan listed statewide for Rhode Island in 2027 may not be offered in every county, and the only authoritative place to confirm what is sold at your address is the Medicare Plan Finder at medicare.gov or a call to 1-800-MEDICARE (TTY 1-877-486-2048), available 24 hours a day, 7 days a week.
Rhode Island has five counties — Bristol, Kent, Newport, Providence, and Washington — and the 2027 CMS data shows each of the seven D-SNPs listed as available in 5 counties statewide. Even so, before you enroll, verify the plan at your ZIP code, check that your prescriptions are on the plan's formulary, and confirm that your doctors and preferred pharmacy are in network. Those details are in the plan's Evidence of Coverage and provider and pharmacy directories, not in the Landscape file.
Where can Rhode Islanders get free help comparing D-SNPs for 2027?
Free, unbiased help is available directly from Medicare at 1-800-MEDICARE (TTY 1-877-486-2048), 24 hours a day, 7 days a week, and from the Medicare Plan Finder at medicare.gov, which is the official tool for comparing D-SNPs side by side at your address.
For Medicaid eligibility questions — including whether you are a full or partial dual and which category the state has you in — contact the Rhode Island Executive Office of Health and Human Services, which administers Medicaid in the state. Keep your Medicare card, your Medicaid or MSP paperwork, a current list of prescriptions, and a list of your doctors handy; those four items answer most of the questions the Plan Finder and 1-800-MEDICARE will ask.
By the numbers
Medicare Part B premium, 2006–2026
The standard monthly Part B premium has climbed from $88.50 in 2006 to $202.90 in 2026. Hover any point for that year’s premium.
Source: CMS. Standard premium shown; in some hold-harmless years many existing enrollees paid less. Confirm at Medicare.gov.
Medicare + Medicaid
Dual Special Needs Plans (D-SNP) across Rhode Island for 2027
CMS lists 7 D-SNPs across Rhode Island for 2027, alphabetically by carrier. A D-SNP is open to people who have both Medicare and Medicaid; the state Medicaid agency confirms the level of eligibility.
| Plan | Type | Drug coverage | Counties |
|---|---|---|---|
| Blue Cross & Blue Shield of Rhode Island 1 plan | |||
| BlueRI for Duals (HMO D-SNP) | HMO D-SNP | Yes | 5 |
| Neighborhood Health Plan of Rhode Island 2 plans | |||
| Neighborhood Dual CONNECT (HMO D-SNP) | HMO D-SNP | Yes | 5 |
| Neighborhood INTEGRITY for Duals (HMO D-SNP) | HMO D-SNP | Yes | 5 |
| UnitedHealthcare 4 plans | |||
| UHC Dual Advantage RI-V1 (HMO-POS D-SNP) | HMO-POS D-SNP | Yes | 5 |
| UHC Dual Complete RI-Q1 (PPO D-SNP) | PPO D-SNP | Yes | 5 |
| UHC Dual Complete RI-Q2 (HMO-POS D-SNP) | HMO-POS D-SNP | Yes | 5 |
| UHC Dual Complete RI-S3 (HMO-POS D-SNP) | HMO-POS D-SNP | Yes | 5 |
Source: CMS Medicare Advantage Landscape Source Files, plan years 2026 and 2027. Plans are offered county by county; a plan listed for the state may not be offered in your county. No plan is ranked or recommended; premiums, benefits, networks and star ratings are not shown. Plan details come from the Medicare Plan Finder at medicare.gov or the plan itself.
The 2027 choices, by type
HMO, PPO and Special Needs Plans across Rhode Island for 2027
- Aetna (CVS Health) 4 plans: HMO-POS, PPO
- Blue Cross & Blue Shield of Rhode Island 6 plans: HMO, HMO-POS
- Neighborhood Health Plan of Rhode Island 2 plans: HMO
- UnitedHealthcare 10 plans: HMO-POS, PPO
HMO plans use a network and usually a primary-care doctor and referrals; HMO-POS plans add some out-of-network coverage; PPO plans also cover out-of-network care, at a higher share; PFFS plans pay any provider that accepts the plan’s terms. Special Needs Plans serve people with Medicare and Medicaid (D-SNP), certain chronic conditions (C-SNP) or living in an institution (I-SNP).
Source: CMS Medicare Advantage Landscape Source Files, plan years 2026 and 2027. Plans are offered county by county; a plan listed for the state may not be offered in your county. No plan is ranked or recommended; premiums, benefits, networks and star ratings are not shown. Plan details come from the Medicare Plan Finder at medicare.gov or the plan itself.
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Frequently asked questions
Do I have to join a D-SNP if I have both Medicare and Medicaid in Rhode Island?
What are the key dates for 2027 Medicare coverage in Rhode Island?
My UnitedHealthcare D-SNP has a new name for 2027 — did my plan end?
Who confirms my dual eligibility in Rhode Island?
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The Medicare Advantage changes for 2027 in every state, in 30 seconds
- CMS — MA Landscape Source File (plan-level availability by county)
- CMS — MA Landscape Source Files, current and coming plan year (year-over-year comparison)
- CMS — Medicare enrollment periods (medicare.gov)
For personalized answers, contact Medicare.gov or 1-800-MEDICARE.
Sources and methodology
- Medicare.gov, Medicare costs (Part B premium)
- CMS, Medicare prescription drug coverage (Part D) program rules
- CMS, Medicare Advantage and Part D plan-year announcements
- Medicare.gov, enrollment periods and plan rules
- CMS, Medicare Advantage and Part D Landscape Source Files
Figures cited in this article
- CMS — Medicare Advantage Landscape Source File (CY2027): the statewide D-SNP, C-SNP, and I-SNP counts, carrier counts, and plan names for Rhode Island.
- CMS — Medicare Advantage Landscape Source Files (CY2026 and CY2027): the year-over-year plan renamings noted for UnitedHealthcare.
- Medicare.gov (CMS — Medicare enrollment periods): the Annual Enrollment Period dates, the Medicare Advantage Open Enrollment Period, and the dual-eligible Special Enrollment Period rules.
How we put this together: area counts come from the CMS files listed above for the county that contains this city, program figures come from CMS, Medicare.gov and the Social Security Administration, and no plan is ranked or recommended.
By The Medicare Desk · Published . For personalized answers, contact Medicare.gov or 1-800-MEDICARE.
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This page was last updated: October 2026.