Independent, Bilingual Medicare Guidance in Rhode Island
Medicare Insurance in Rhode Island, Explained Simply
Medicare Advantage, Medicare Supplement, Part D — the options can feel like alphabet soup. As an independent agency, we compare plans from Rhode Island's top carriers and walk you through what actually fits your health needs and budget, in English, Spanish & Portuguese, with no pressure to decide today.
Blue Cross Blue Shield of Rhode Island, UnitedHealthcare, Aetna, Humana
A+ Better Business Bureau Accredited
Bilingual, English, Spanish & Portuguese
Medicare is federal health insurance for people 65 and older (and some younger people with qualifying disabilities). Original Medicare includes Part A (hospital coverage) and Part B (medical coverage), but it doesn't cover everything — that's where additional plans come in. Medicare Advantage (Part C) bundles hospital, medical, and often prescription drug coverage into one plan through a private insurer. Medicare Supplement (Medigap) works alongside Original Medicare to help cover leftover costs like copays and deductibles. Medicare Part D adds prescription drug coverage for those who need it.
Every person's situation is different — the right combination depends on your health needs, budget, doctors, and medications.
Here's how we break it down:
What Is Medicare?
Explore Your Options
Medicare Advantage
Bundled hospital, medical, and often drug and extra benefits (dental, vision, hearing) coverage through private carriers like BCBS RI, UHC, and Aetna.
Medicare Supplement
Fill the gaps Original Medicare leaves behind — copays, coinsurance, and deductibles — while keeping the freedom to see any doctor who accepts Medicare.
Medicare Part D
Prescription drug coverage matched to your actual medications and pharmacy, not just the lowest premium.
Medicare Part D
Prescription drug coverage matched to your actual medications and pharmacy, not just the lowest premium.
Medicare Advantage vs. Medicare Supplement
Not sure which path fits? Compare provider flexibility, costs, and extra benefits side by side.
Medicare Eligibility & Enrollment Periods
Know exactly when your enrollment window opens, what happens if you miss it, and what applies if you're still working past 65.
Don’t see your area? Contact us — we likely serve your region too.
Independent & Multi-Carrier
We compare Medicare Advantage, Supplement, and Part D plans from multiple A-rated carriers, so the recommendation is based on your needs, not one company's quota.
Bilingual, English, Spanish & Portuguese
Get your Medicare questions answered in the language you're most comfortable in.
Free, No-Obligation Consultations
Compare your options with no pressure to enroll on the spot.
We Track Your Deadlines
Enrollment timing is reviewed as a standard part of every consultation, so a late-enrollment penalty doesn't catch you off guard.
Help Beyond the Plan Itself
If you may qualify for Medicaid or Extra Help / Low-Income Subsidy to help with costs, we'll help guide you through it.
Meet Beiya Pena
Beiya Pena has spent 25+ years combined in financial services helping Rhode Island families make sense of their Medicare decisions — in English, Spanish & Portuguese. As an independent agent contracted with 15+ A-rated carriers, she's not selling you a single company's plan; she's helping you find the one that actually fits.
How It Works
- Reach out
Request a quote, give us a call, or schedule a free consultation. - Compare your options
We'll walk through Medicare Advantage, Supplement, and Part D plans across carriers, matched to your doctors, medications, and budget. - Check your timing
We confirm your eligibility window so you enroll on time, without penalties. - Enroll with confidence
Choose your plan with no pressure and no obligation. - Stay covered
We review your plan every year, since costs and coverage can change annually.
Quick Answers, Honest Advice
Frequently Asked Questions
When can I enroll in Medicare?
Most people can enroll during their Initial Enrollment Period — a seven-month window that starts three months before you turn 65. There's also a General Enrollment Period (January 1–March 31) and Special Enrollment Periods for certain life events.
What's the difference between Medicare Advantage and Medicare Supplement?
Medicare Advantage bundles hospital, medical, and often drug coverage into one plan, typically with a provider network. Medicare Supplement works alongside Original Medicare, covering leftover costs like copays and deductibles, with no network restrictions.
Do I need to sign up for Medicare if I'm still working past 65?
It depends on your employer coverage and company size. We'll review your specific situation to tell you exactly what applies.
Can you help me apply for financial assistance with Medicare costs?
Yes. While we're not part of the Medicaid office, we can help guide qualifying clients through applying for Medicaid or Extra Help / Low-Income Subsidy programs.
Is there a cost for a Medicare consultation?
No. Consultations are free, with no obligation to enroll.
Where We Serve
We help Rhode Island families with Medicare decisions throughout Providence, Pawtucket, Cranston, Warwick, Cumberland, Central Falls, and the surrounding Rhode Island and New England area — from our office in Lincoln, Rhode Island.
Let's Find the Right Medicare Plan for You
No pressure, no obligation — just a clear comparison of your Medicare options, in the language you're most comfortable in.
A+ BBB Accredited · 25+ Years Combined Experience · Bilingual, English, Spanish & Portuguese
