Yep. It would make a ringlike phenomenon. Saturn's rings are partially within its Roche limit.
The minimum Roche limit for the Moon (assuming it's perfectly rigid) is ~9,500 km, and the maximum Roche limit (assuming it's perfectly fluid) is ~18,300 km. The actual limit will be somewhere between depending on the Moon's rigidity.
Some moonlets in Saturn's rings within the Roche limit are still intact because of their tensile strength, not their self-gravity.
A person is a lot smaller than a moon, so tidal gravity is greatly reduced; planets have negligible effects on him/her. That's why it only shows up in extreme cases such as black holes, neutron stars, and white dwarfs. Maybe a few other cases such as massive stars or something, but I'm not sure.
Though a person falling into a black hole has nothing to do with the Roche limit (which is limit where an object's self-gravity is overcome), rather it's the person's "tensile strength".
There's probably some way to calculate when a person will get spaghettified.
EDIT: Found the equation on the Wikipedia Spaghettification page.