Rhode Island has introduced a new annual Guaranteed Issue (GI) right for Medicare beneficiaries, effective during the Annual Enrollment Period (Oct. 15-Dec. 7). This GI right allows individuals with a Medicare Advantage or Medicare supplement plan who have maintained continuous coverage (no gaps over 90 days since their Medicare Initial Enrollment Period) to enroll in a Medicare supplement plan without underwriting.

What’s Changing:

• Policies issued under this GI right will be effective January 1 of the following year. Applications can be submitted for this GI right on October 15.
•  Documentation or proof of no lapse in coverage greater than 90 days since the effective date of coverage is required. 
• Plan A is available for individuals under 65.
• Plans A, F, G, HDG, and N are available for individuals 65 and older.

Effective October 15, 2025, Medicare supplement new business rates will go into effect in Rhode Island and plans will be underwritten by United World Life Insurance Company.

The United World Life Insurance Company Medicare supplement application for Rhode Island will be available on the e-App October 15th. Upon availability, the old underwriting company e-Application will no longer be available. Paper applications will be available to download by October 15th in Forms and Materials on SPA. Currently the updated Rhode Island outline is available.

Outstanding Applications: 

• For Rhode Island, United of Omaha applications signed by Oct 14, and received in the home office will be processed.
• United of Omaha applications for Rhode Island with a signed date of October 15th or later will not be processed. No exceptions will be made. A new application would be required to apply for coverage.
• Pending Medicare supplement applications are no longer considered valid after 60 days and will go incomplete. If applicant would still like coverage, a new application would be required to apply for coverage.

United World Med supp applications will be available on SPA in Forms and Materials by October 15th. Marketing materials will be available once they are approved. 

Plan Availability and Benefits:

•  Med supp plans A, F, G, HDG and N are available for sale.
•  Plan F may only be sold to applicants who were Medicare-eligible prior to January 1, 2020.
•  A 12% household discount may apply if the policyholder lives with another adult who is age 60 or older. 
• Most policies are processed within 2 days.
• The e-Application makes it easy to cross-sell Med supp and dental insurance.
  • Clients can receive a 15% discount on dental insurance by applying for a dental insurance policy at the same time as a Mutual of Omaha or affiliate Med supp policy when:
  • The dental application is signed on or after the Med supp application sign date, and 
  • Within 30 days after the Med supp issue date

As the marketplace and clients’ needs are evolving, Mutual of Omaha is committed to making it easy to do business with us, by offering a variety of senior health solutions to fit your clients’ needs and budget.