Medicare Advantage
UnitedHealthcare Medicare Advantage in Rhode Island for 2027: 10 Plans, County by County
PROVIDENCE — For the 2027 plan year, UnitedHealthcare is offering 10 Medicare Advantage plans across Rhode Island, according to the CMS Medicare Advantage Landscape Source File. The lineup includes HMO-POS and PPO options, several Special Needs Plans, and plans with and without drug coverage. This explainer is published by an independent Medicare education site; it is privately owned and is not the government, not affiliated with the government, and not affiliated with UnitedHealthcare or any other insurance carrier.
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Key takeaways
- UnitedHealthcare lists 10 Medicare Advantage plans statewide in Rhode Island for 2027, including 4 D-SNPs, 1 C-SNP, and 1 I-SNP.
- A plan listed statewide may not be sold in every Rhode Island county, so coverage must be checked county by county on Medicare.gov.
- The Annual Enrollment Period for 2027 coverage runs October 15 – December 7, 2026, and the choice you make takes effect January 1, 2027.
- Free, unbiased help is available anytime from Medicare.gov and 1-800-MEDICARE.
| 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.
What is UnitedHealthcare offering across Rhode Island for 2027?
UnitedHealthcare is offering 10 Medicare Advantage plans statewide in Rhode Island for 2027. The CMS Landscape file groups them as 7 HMO-POS plans and 3 PPO plans, and 9 of the 10 include Part D prescription drug coverage.
Within that total, UnitedHealthcare lists 4 Dual Eligible Special Needs Plans (D-SNPs) for people who have both Medicare and Medicaid, 1 Chronic Condition Special Needs Plan (C-SNP), and 1 Institutional Special Needs Plan (I-SNP) for people living in a qualifying long-term care setting. Statewide, Rhode Island has 22 Medicare Advantage plans for 2027 from 4 carriers in all, so UnitedHealthcare's 10 are one slice of a wider market. Readers can compare carriers side by side using the tables elsewhere on this page.
Which UnitedHealthcare plans in Rhode Island reach the most counties for 2027?
All 10 UnitedHealthcare Medicare Advantage plans in Rhode Island for 2027 are listed as offered in 5 counties, meaning they appear statewide in the CMS Landscape file. That is unusual breadth, and it reflects Rhode Island's small geography.
The widest-reach plans include the AARP Medicare Advantage from UHC RI-0001 (HMO-POS), AARP Medicare Advantage from UHC RI-0002 (HMO-POS), AARP Medicare Advantage from UHC RI-0003 (PPO), and the AARP Medicare Advantage Patriot No Rx RI-MA01 (HMO-POS), which is the one plan in the lineup without drug coverage. The Special Needs Plans — UHC Complete Care RI-4 (C-SNP), UHC Dual Advantage RI-V1, UHC Dual Complete RI-Q1, UHC Dual Complete RI-Q2, UHC Dual Complete RI-S3, and the UHC Nursing Home Plan RI-F001 (I-SNP) — are also listed in all 5 counties, but each carries eligibility rules. The full plan list, including plan type and drug coverage, is shown in the tables on this page.
What is new or not returning from UnitedHealthcare in Rhode Island for 2027?
UnitedHealthcare has 0 brand-new Medicare Advantage plans in Rhode Island for 2027 and 1 plan from 2026 that is not returning, based on the CMS year-over-year Landscape comparison. Several existing plans are being renamed rather than discontinued.
According to the CMS files, UHC Dual Complete RI-V001 (HMO-POS D-SNP) is listed for 2027 as UHC Dual Advantage RI-V1, UHC Dual Complete RI-S001 (PPO D-SNP) is listed as UHC Dual Complete RI-Q1, and UHC Dual Complete RI-S002 (HMO-POS D-SNP) is listed as UHC Dual Complete RI-Q2. A rename is not the same as a non-renewal, but members on a renamed plan should still read the Annual Notice of Change the carrier mails each fall to see what, if anything, changes about the plan itself.
How do I check whether a UnitedHealthcare plan is offered in my Rhode Island county and covers my doctors and drugs?
The fastest way to confirm whether a specific UnitedHealthcare Medicare Advantage plan is offered in your Rhode Island county for 2027 is the Medicare Plan Finder at Medicare.gov; you can also call 1-800-MEDICARE, which is open 24 hours a day, 7 days a week. Rhode Island has 5 counties, and because Medicare Advantage plans are sold county by county, a plan listed statewide in the CMS file may not actually be available at your address.
Enter your ZIP code on Medicare.gov to see the exact plans available where you live. From there you can add your prescriptions to check whether each one is on a given plan's formulary, and search the plan's provider directory to see whether your primary care doctor, specialists, and preferred hospital are in network. The official Evidence of Coverage from the plan is the definitive document on benefits, cost sharing, and rules. This article does not list premiums, copays, benefits, networks, or star ratings for any plan.
What should Rhode Island readers do before December 7, 2026?
Before December 7, 2026, Rhode Island readers who want to join, switch, or drop a Medicare Advantage plan for 2027 should finish that choice during the Annual Enrollment Period, which runs October 15 – December 7, 2026. A choice made during Annual Enrollment 2027 takes effect January 1, 2027.
A short, practical checklist:
- Read the Annual Notice of Change your current plan mailed in September for any 2027 updates.
- Make a list of your doctors, hospitals, and current prescriptions, with dosages.
- Use the Medicare Plan Finder at Medicare.gov to compare the plans actually offered in your county.
- If you qualify for a Special Needs Plan — for example a D-SNP because you have Medicaid, or the I-SNP for a nursing home resident — confirm eligibility before enrolling.
- Keep a confirmation number for any enrollment you complete.
If you are satisfied with your current coverage and it is returning for 2027, you do not have to do anything.
Where can Rhode Islanders get free help comparing 2027 Medicare plans?
Free, unbiased help for Rhode Islanders comparing 2027 Medicare plans is available from Medicare.gov and from 1-800-MEDICARE (TTY 1-877-486-2048), 24 hours a day, 7 days a week. Both are run by the federal Medicare program and can walk you through plan options in your county without trying to sell you anything.
The Medicare Plan Finder on Medicare.gov is the official tool for seeing which plans — from UnitedHealthcare and from the other carriers in Rhode Island — are available at your address, with your drug list, for 2027.
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.
2027 plan lineup
UnitedHealthcare Medicare Advantage plans in Rhode Island for 2027
CMS lists 10 UnitedHealthcare Medicare Advantage plans across Rhode Island for 2027, alphabetically by carrier, widest county reach first. 3 other carriers also offer plans there.
| Plan | Type | Drug coverage | Counties |
|---|---|---|---|
| UnitedHealthcare 10 plans | |||
| AARP Medicare Advantage from UHC RI-0001 (HMO-POS) | HMO-POS | Yes | 5 |
| AARP Medicare Advantage from UHC RI-0002 (HMO-POS) | HMO-POS | Yes | 5 |
| AARP Medicare Advantage from UHC RI-0003 (PPO) | PPO | Yes | 5 |
| AARP Medicare Advantage Patriot No Rx RI-MA01 (HMO-POS) | HMO-POS | No | 5 |
| UHC Complete Care RI-4 (HMO-POS C-SNP) | HMO-POS C-SNP | Yes | 5 |
| 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 |
| UHC Nursing Home Plan RI-F001 (PPO I-SNP) | PPO I-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
How UnitedHealthcare Medicare Advantage plans across Rhode Island break down for 2027
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
How many UnitedHealthcare Medicare Advantage plans are offered in Rhode Island for 2027?
When is the Annual Enrollment Period for 2027 Medicare coverage?
Is my UnitedHealthcare plan being discontinued in Rhode Island for 2027?
Where can I get free help choosing a 2027 plan in Rhode Island?
Watch
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 Rhode Island plan counts, plan types, Special Needs Plan categories, drug coverage flag, and county reach for UnitedHealthcare.
- CMS — Medicare Advantage Landscape Source Files (CY2026 and CY2027): the year-over-year comparison showing new, renamed, and non-returning UnitedHealthcare plans.
- Medicare.gov: the Annual Enrollment Period dates, the Plan Finder, and 1-800-MEDICARE contact information.
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.
Content Integrity Standards
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This page was last updated: October 2026.