Author Archives for Herb Weiss

The ABCs of Surviving Medicare Open Enrollment 

Published in RINewsToday on October 20, 2025

It’s that time. The Medicare Open Enrollment period began last week and runs until December 7th. During this period, Rhode Island’s 243,000 Medicare beneficiaries (data from late 2024 to early 2025) are encouraged to explore their Medicare options, carefully review, compare options, and make necessary changes to their existing Medicare plan for the following year.

During the Medicare Open Enrollment period, you can join a new Medicare Advantage plan or Part D prescription drug plan, switch from Original Medicare to Medicare Advantage, or switch from Medicare Advantage to Original Medicare (with or without a Part D plan).

You can make as many changes as you want during this period. The last change you ultimately make will take effect on January 1, 2026.

Medicare Options

According to Healthinsurance.org, an independent website that provides consumer information and education on health insurance options, here’s a snapshot of Medicare plans chosen by Rhode Island beneficiaries.

As of September 2024, 144,610 Rhode Islanders were enrolled in Medicare Advantage plans. These plans, offered by private health insurance companies, are alternatives to Original Medicare. Medicare Advantage plans cover all the healthcare benefits that Original Medicare covers (e.g., hospital services and outpatient/medical/physician services), but the out-of-pocket costs can differ significantly, as Advantage plans set their own co-pays, co-insurance, and deductibles (within parameters defined by CMS).

Approximately 115,000 to 120,000 Rhode Islanders are enrolled in Original Medicare, representing about 49-51% of the state’s Medicare beneficiaries. Original Medicare, covering individuals aged 65 and older as well as certain younger people with disabilities, is a “fee-for-service” plan composed of two main parts: Part A for hospital insurance (covering inpatient hospital care, skilled nursing care, hospice care, and some home health services) and Part B for medical insurance (covering doctor visits, preventive care, and durable medical equipment). These two parts cover a wide range of medically necessary services, with beneficiaries paying a portion of costs, such as coinsurance and deductibles.

Medicare Part D is an optional prescription drug benefit offered by private insurance companies approved by Medicare. This benefit helps cover the cost of outpatient prescription medications. Approximately 83% of the total 243,377 beneficiaries in September 2024 have some form of prescription drug coverage through a Medicare Part D plan.

Finally, according to the U.S. Centers for Medicare & Medicaid Services, as of 2024, more than 50,000 Medicare beneficiaries in Rhode Island had Medigap policies. These policies are standardized supplemental insurance plans sold by private companies to cover the “gaps” in Original Medicare (Part A and Part B), including deductibles, co-payments, and co-insurance.

Taking a Close Look at Your Current Coverage

Even if you’re satisfied with your current coverage, the state’s Office for Healthy Aging recommends that Medicare beneficiaries closely review and compare their Medicare options to ensure their needs are met in the upcoming year. “Medicare beneficiaries will receive a lot of mail during Medicare Open Enrollment so it is very important to pay attention to any changes in the plan’s costs, including premiums, deductibles, and cost-sharing amounts. Make sure your providers and pharmacies are still in the plan’s network.”

All Medicare beneficiaries (or those approaching Medicare eligibility) can receive free, unbiased counseling from State Health Insurance Assistance Program (SHIP) counselors. These services are voluntary and meant to help people understand the complexity of plans and make informed choices. SHIP counseling is an offered resource, not a condition of having Medicare or enrolling in a plan.

What to Bring to Your SHIP Appointment

You can enroll in Medicare plans or manage your coverage without using OHA or SHIP partners’ counseling.  There is a risk of not choosing the best plan to meet your medical needs, missing savings or subsidies, and increasing stress or confusion in making the right choice.

After making an appointment, a SHIP counselor will request the beneficiary bring their Medicare card, current plan(s) cards, and a list of prescriptions and doctors to the meeting.

The OHA and its nine partners (see box below) are provided with training, certifications, and resources through the federal SHIP grant ensuring they stay up to date on what every Medicare Advantage, Traditional Medicare, and Medicare Part D plan offers.

Every October, OHA and its SHIP partners meet with presenters from Rhode Island’s Medicare Advantage plans to become aware of updates on all the 2026 plan changes.

Changes in 2026

According to AARP, expect some significant changes in 2026. The first Medicare-negotiated drug prices will go into effect for drugs like Eliquis, Jardiance, Xarelto, Januvia, Farxiga, Entresto, Enbrel, Imbruvica, Stelara, and NovoLog/Fiasp. Additionally, according to CMS, savings are expected to lower enrollees’ out-of-pocket spending by an estimated $1.5 billion next year. Finally, the new cap on annual out-of-pocket expenses for Part D drugs will increase to $2,100.

You can call 1-800-MEDICARE to make changes by phone. You can also use Medicare’s Plan Finder tool to compare plans at www.medicare.gov/plan-compare to compare options and enroll in some plans online. Alternatively, you can contact plans directly to enroll.

Find a Medicare plan

However, the Office of Healthy Aging cautions, “Unfortunately, we are still waiting for CMS to release some of the 2026 cost and premium changes, and due to the government shutdown, this may be further delayed.”

A Final Note… Beware of Scams and Fraud

Open Enrollment is also prime time for scams. Scammers who claim to represent Medicare may call asking for your Medicare number, Social Security number, or bank information, especially before you enroll. Medicare will never call, email, or text out of the blue to ask for personal information or payment. If you’re unsure, hang up and call 1-800-MEDICARE to verify.

To schedule an appointment with a State Health Insurance Assistance Program (SHIP) Counselor please contact one of the below agencies.

PARTNER AGENCYLOCATIONPHONE NUMBER
Aging Well84 Social St, Woonsocket, RI 02895401-766-3734
Johnston Senior Center1291 Hartford Ave, Johnston, RI 02919401-944-3343
Westbay Community Action Agency487 Jefferson Blvd, Warwick, RI 02886401-921-5237
South Kingstown Senior Center25 St Dominic Rd, Wakefield, RI 02879401-789-0268
Westerly Senior Center39 State St, Westerly, RI 02891401-596-2404
The Aging & Disability Resource Center (ADRC)50 Valley St, Providence, RI 02909401-462-4444
East Bay Community Action Agency100 Bullocks Point Ave, East Providence, RI 02915401-435-7876
Leon Mathieu Senior Center420 Main St, Pawtucket, RI 02860401-728-7582
Progreso Latino626 Broad St, Central Falls, RI 02863401-728-5920
Edward King House35 King St, Newport, RI 02840401-846-7426

Source:  OHA, Oct. 2025

Seeing Echoes of 1938 in Trump Administration

Published in Providence Journal on Oct. 18, 2025

As the nation-wide “No Kings” protest looms, I write with urgency and deep concern about the growing threats to America’s democratic institutions. At this point, expressions of worry are not enough to stop our 259-year-old democratic republic from drifting toward authoritarian rule. We see attacks on voting rights, efforts to weaken the independence of the courts, court rulings being ignored, and attempts to discredit the press—warning signs that cannot be brushed aside. Finally, we will see bold, visible action take place on Oct. 18th, with protests taking place in over 1,650 communities across all the United States, the District of Columbia and International. 

It was reported that the previous “No Kings” protest in June attracted about 5 million participants. Some say that this number could double, mobilizing up to 10 million people to participate. Elected officials – at local state and federal levels should join the protest in their local communities.

During an 80-minute press event in the Oval Office to announce the federal government’s tighter control of law enforcement inside the Beltway, President Donald Trump startled many Americans with a comment suggesting that perhaps the country might “like a dictator” in the White House. He quickly added that he was not a dictator, but rather a man of “great common sense.” 

Despite Trumps denials, his actions and the tone of his speeches and social media posts stroke division in ways that resemble the stages of the Nazi’s autocratic takeover of Germany.  It’s hard to believe his denials with his behavior of undermining democratic institutions that he claims to defend.

Still, the idiom “a wolf in sheep’s clothing” comes to mind. Americans should be forewarned.

Trumps sending the National Guard into Democratic cities, without the consent of state governors, who oppose his policies, clearly is a sign of autocratic behavior.  Governors and federal and state lawmakers in these states call these actions political over reach and the weaponization of the Justice Department.

History reminds us of the danger of hesitation. In the late 1930s, as the Nazi regime consolidated power, by taking control of the Reichstag (the German parliament) and enacting legislation that significantly undermined democratic processes.  

At that time too many German leaders just stood by.  Their silence fueled violence and oppression and allowed it to grow unchecked. That tragic failure shows the cost of waiting until it is too late.

Does this not sound familiar today?

I often wonder what I would have done during Kristallnacht—the “Night of Broken Glass” in November 1938—when mobs attacked Jewish homes, synagogues, and businesses even desecrating cemeteries. Would I have stepped forward to protect my neighbor or even attempt to stop the destruction? The horror of that night was enabled not only by the Brown Shirts or SA (Sturmagteilung), SS (Schutzstaffel), local police, and ordinary German citizens who carried out the rampage but also by the many who just looked away in the face of destruction.

Today we see disturbing echoes: immigrants packed into detention centers, families torn apart, and even U.S. citizens taken by masked ICE agents without warrants. These actions weaken our nation’s constitutional protections and send a chilling message that no one’s rights are secure. Such practices do not belong in a free society and push us closer to authoritarian control.

Eighty years later, I have the opportunity to raise my voice, to sound the alarm, to draw the similarities between then and now. The responsibility to resist does not rest solely on the shoulders of elected officials, but also with citizens who can no longer remain silent. This is our time to defend our constitutional democracy with courage and clarity. Future generations will remember whether we stood firm—or stood by and watched.

 Albert Einstein so aptly observed: “The world will not be destroyed by those who do evil, but by those who watch them without doing anything.”

The millions of Americans participating in the “No Kings” protest have united to resist authoritarianism and defend our democracy. Will you join this movement, or will you remain silent.

A Physician’s Guide to Living Life Fully, Not Just Longer, with Dr. Ed Iannuccilli

Published in RINewsToday on October 12, 2025

Over two weeks ago, over 300 advocates, providers, and older adults gathered at the Senior Agenda Coalition of Rhode Island’s (SACRI) 16th Annual Conference and Expo, “Navigating Choppy Waters – Shelter from the Storm,” held at Rhode on the Pawtuxets in Cranston.

The Sept. 25 event featured a thought-provoking keynote address by Dr. Ed Iannuccilli, state legislative updates, unveiling a new award to recognize two advocates, along with a panel discussion exploring critical topics facing older adults.

“This conference, by all measure, was a tremendous success,” said Carol Anne Costa, Executive Director of the Senior Agenda Coalition of RI, noting that the new venue, the topics, the engagement of the audience was reflected in the energy in the room.

“We are collecting survey responses an the feedback has been overwhelmingly positive,” says Costa noting that people are craving the opportunities to reconnect in person and in conversation. “If our vision for this conference helped to achieve that, it’s a win,” she said. 

___

Simple Tips on Aging Gracefully

 Dr. Ed Iannuccilli, a highly respected retired board-certified internist and gastroenterologist and the author of six published books, delivered an impassioned 31-minute keynote shifting the tone from legislation and program updates.  He offered common-sense advice on aging gracefully and called for changes in the state’s health care system to restore compassion and personal connection.

Looking back to the early days of his medical practice, Iannuccilli—who practiced medicine for over 30 years—recalled a conversation with a lively, healthy 80-year-old woman.

“In the innocence of my youth, I said admiringly, ‘At 80, you’re in marvelous condition. You don’t need to worry—age is just a number.’”

“She looked at me, twirled her ring, straightened her smock, squinted, pursed her lips, and said, ‘Young man, I have the number. Don’t you ever tell anyone that again,’” he said.

“And I never did,” he added. “It was an early lesson. As Oscar Wilde said, ‘With age comes wisdom, but sometimes wisdom comes with winters.’ Well, I have the winters now. I have the number. And I’m pleased to say that no one has dared call it just a number again,” said the Bristol resident.

As for reducing the stress of growing old, Iannuccilli shared: “I try to do happy things, avoid too much news, meet friends, and accept loss and mistakes with a spiritual shovel. No one’s judging anymore—history is history.”

He advised, “Don’t make living a long life your goal; living fully, is. If you’re at an age milestone—don’t panic. Laugh more. Call a friend. As Mark Twain said, ‘Don’t complain about growing old; it’s a privilege denied to many.’”

Iannuccilli said he stays curious, reads, writes, and keeps his mind active. “I even take piano lessons. I don’t need to go on a space mission; I’m already on a planet full of adventure,” he joked.

 He also emphasized that longevity and good health are tied to human connection. “Be a helper. Call a friend. Drive someone to a doctor’s appointment. Volunteer at a pantry. Fred Rogers’ mother was right—‘Look for the helpers.’ Better yet—be one,” urged Iannuccilli.

Navigating a Broken Health Care System

“We use words like quality, efficiency, deliverables, and outcomes—but what people want is access and comfort,” Iannuccilli observed. But, fewer long-term physician-patient relationships, financial barriers at every turn, and isolation among older adults all reflect systemic changes in today’s healthcare system, says Iannuccili.

According to Iannuccili, costs for care, medication, nursing homes, and even vaccines are rising. Too many seniors live alone and disconnected.

“When someone is sick, they want to be comforted. They want someone who listens and helps them navigate an increasingly impersonal system,” he says. 

Today it’s [often] a long phone queue, a chatbot, or a portal that needs a password and two-step verification,” he said. “You wait on hold and think, ‘This is my health I’m calling about, not my cable bill.’ We’ve lost the personal touch.”

“Be patient with emerging artificial intelligence,” Iannuccilli added. “With proper tuning, it can increase efficiency, help pair patients with the right provider, contain costs, and even promote equity. But nothing—nothing—will ever replace personal care.”

Patients are now called consumers, he said, a term he dislikes. “You’re not a consumer—you’re a patient. The word comes from the Latin patiens—one who suffers. It deserves respect.”

Recognizing Rhode Island’s Health Care Assets

Iannuccilli called for Rhode Islanders to stop focusing on negatives, like the bridge, and instead recognize their access to high-quality health care facilities.

“Within 20 miles you can reach some of the nation’s best hospitals—Rhode Island Hospital, Women & Infants, Hasbro Children’s, Butler, Bradley, Kent, South County, Newport, Miriam, Roger Williams, and Fatima,” he said.

According to Iannuccilli, the state’s health care system—from Brown University to URI—is “extraordinary,” featuring world-class nursing programs, physician assistant schools, and a top pharmacy school.

He believes Rhode Island can become a national model for universal access to health care.

“If we can assume our trash will be collected, our children educated, and our homes protected by firefighters, why can’t we assume access to health care for everyone?” he asked. “We have the talent. We have the infrastructure. What we need is the will.”

With a growing shortage of primary care physicians, Iannuccilli called for the creation of a medical school at the University of Rhode Island dedicated solely to training primary care physicians.

He concluded by issuing a call to action: “Let’s make Rhode Island the envy of the nation—a state where health care works for everyone, where education, research, and delivery come together. We can do better. We must do better. And guess what? We don’t have a choice.”

SACRI Recognition

At the conference, Costa recognized the advocacy of Ray Gagne Jr. for his advocacy work as Senior Organizer at RI Organizing Project and Sister Norma Fleming, RSM, for her direct work with adults with disabilities at ReFocus, Inc. by presenting them with the inaugural Marjorie Waters Award for Service. Honoring the legacy of Marjorie Waters—a Rhode Island College graduate, former Director of Information Technology for a Tribal Nation, Six Sigma Process Excellence Coach in the finance industry, and Executive Director of Providence’s Westminster Senior Center—the award celebrates her dedication as a lifelong community activist.

Legislative Greetings, and a Look to the Future

House Speaker K. Joseph Shekarchi (D-Dist. 23, Warwick) brought greetings from the House, emphasizing his strong commitment to supporting the state’s growing older population.

“As long as I’m Speaker of this House and I’m in Rhode Island government, you will have a friend in state government,” he pledged to the attending advocates and older adults.

The Warwick lawmaker shared how his 99-year-old father, who is battling Alzheimer’s and has mobility issues, has given him a personal understanding of older Rhode Islanders’ desire to remain at home—insight that has shaped his aging policy agenda.

Shekarchi highlighted several recent legislative successes, including the expansion of the Medicare Savings Program after 14 years of advocacy, which will save low-income beneficiaries over $2,000 annually. He also cited the state’s Accessory Dwelling Unit (ADU) Law, which allows in-law apartments or “granny flats” (in the colloquial), to help residents age in place in their homes.

Senate President Rep. Lauren Carson (D-Dist. 75, Newport), also detailed her legislative work on behalf of older Rhode Islanders. As Chair of the House Study Commission on Aging, she announced her intention to introduce legislation to make the commission permanent to help guide the state’s aging policy.

Another planned bill for next year would replace the term “senior citizen” with “older Rhode Islander” in state law to promote a more positive view of aging.

Maria Cimini, Director of the State’s Office of Healthy Aging, stressed that the guiding principle of her office’s work was to ensure older Rhode Islanders had the “choice to age as they wished” with dignity and independence.

She pointed out a significant demographic shift, noting that Rhode Island now had more people over 65 than under 18. “We are all aging. My goal is to be sure that Rhode Island is a great place to grow up and grow old,” she says.

A panel discussion followed the keynote, covering practical aspects of end-of-life planning, including legal documents such as wills and trusts, funeral pre-planning, financial planning for dependents with disabilities, suicide prevention, and the role of the long-term care ombudsman.

To watch SACRI’s Sept. 25th program, go to https://capitoltvri.cablecast.tv/show/11543?site=1