Rhode Island Pharmaceutical Assistance for the Elderly (RIPAE)

Page Reviewed / Updated - Jan. 2016

Program Description

The Rhode Island Pharmaceutical Assistance for the Elderly program, or RIPAE for short, provides financial assistance in the form of discounted prescriptions to elderly state residents. There are 3 levels to the program; each level receives a different percentage discount on their medications ranging from 15% - 60%.  The senior’s (and their spouse's) annual income(s) determine into which level of the program they are placed.  The following numbers are current as of January 2016; an increase is expected July 1st.

-Individuals with income under $22,432 or couples under $28,042 receive a 60% discount
-Individuals with income under $28,159 or couples under $35,211 receive a 30% discount
-Individuals with income under $49,372 or couples under $56,320 receive a 15% discount

The RIPAE Program is designed and intended to work in tandem with a Medicare Part D insurance plan.  The cost of fulfilling a prescription is first addressed by the Medicare Part D plan, RIPAE then applies to the portion of the cost not paid for by Medicare Part D.

 Did You Know?  Older adults have challenges adhering to their prescriptions as do lower income individuals.  Low income seniors have 7 times as many challenges when compared to the average adult.

Eligibility Guidelines

To be eligible for this program, seniors must meet the following criteria:

  • Rhode Island resident
  • 65 years of age or older (or younger if officially disabled)
  • Cannot be eligible for Medicaid
  • Enrolled in Medicare Part D plan
  • Individuals must have annual income under $49,372 and couples under $56,320 (in 2016).

 

Benefits and Services

Depending on their income level, program participants receive a discount of between 15% - 60% on their prescriptions.   Generic medications will always be used in place of brand name drugs unless a doctor has specifically determined that the brand name variety is a medical necessity.

There are no applicant fees or enrollment fees to participate in the RIPAE program.  Some seniors have the perception that there is an additional cost if they are not already enrolled in a Medicare Part D plan as they are required to do so. However, this is a Medicare Part D premium, not a RIPAE cost.

 

How to Apply / Learn More

RIPAE is administered by the Rhode Island Department of Elder Affairs.  One can learn more or apply for the program by visiting the RIPAE program webpage or calling (401) 462-3000.

 

 

The state of Illinois has two programs designed to provide financial assistance to the elderly to help them purchase their prescription drugs.  Rx Basic is for individuals without Medicare insurance and the Rx Plus is designed for those on Medicare.

Rx Plus is known as a Medicare wraparound program which means the benefits wrap around those benefits provided by a Medicare Part D plan.  When making a prescription purchase, Medicare Part D is the first payer and then this program contributes towards those costs the Part D plan does not cover.