Tag Archives for AARP

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

Walktober with AARP: Neighborhood Walks and Walk Audits across Providence

Published in RINewsToday on September 29, 2025

As part of AARP Rhode Island’s ongoing Livable Communities initiatives, the state’s largest aging organization will launch a series of “Walktober” events next month in collaboration with America Walks, local elected officials, municipal departments, planners, outreach specialists, volunteers, and community groups. The effort will feature neighborhood walks and walk audits across Providence. Accessibility is a priority, ensuring that people using mobility aids are included.

According to AARP Rhode Island, walking through neighborhoods allows volunteers to document and report infrastructure issues such as missing or uneven sidewalks, unsafe crosswalks, inadequate lighting, and the lack of benches, shade, and green space. These findings will help shape proposals for community improvements. The goal is to raise public awareness and highlight the importance of well-designed, well-maintained, and inclusive sidewalks, curb cuts, bump outs, and pedestrian-friendly spaces that contribute to a thriving community.

AARP Rhode Island notes that Walktober is a collaboration between the nonprofit and America Walks has organized nearly a dozen free, engaging community events aimed at helping residents appreciate walking as an enjoyable and healthy alternative to other means of getting around.

They Walk Their Talk

Taking part in Walktober is internationally known “multidisciplinary walking artist” and mobility justice activist Jonathon Stalls, who founded Walk2Connect (now Walk America) in 2012 after completing a 3,030-mile walk across the nation in 2010. Stalls will join America Walks board member Garrett Brumfield, a disability rights advocate and popular “sit-down” comedian, at the kickoff event scheduled for Wednesday, October 8. The event begins with a free “connection walk” at 5:00 p.m., followed by a free public walk, talk, book signing, and reception at the Providence Public Library.

Stalls, a respected author, wrote WALK: Slow Down, Wake Up, and Connect at 1–3 Miles Per Hour. The 240-page book, published by North Atlantic Books, is a collection of essays exploring the benefits of walking—for both individuals and communities—and how walking can be transformational. Attendees will receive a free copy.

Over the years, Stalls has documented his long walks, including a 200-mile trek from Providence to New York to explore how built environments affect communities, especially marginalized residents who cannot or do not drive. Walking, he argues, reveals how public spaces can become safer and more inclusive for all. At national and international conferences, Stalls advocates for transportation systems that prioritize pedestrians and calls for incorporating mobility justice into urban planning.

Joining him is Garrett Brumfield, a Roanoke, Virginia resident and disability rights advocate living with cerebral palsy. He calls for improved public transportation, mobility infrastructure, and community planning that make cities accessible to all—older adults, wheelchair users, and families with strollers alike.

On LinkedIn, Brumfield explains:“It is my mission to use my story and my experiences of living with Cerebral Palsy to help others overcome whatever obstacles stand in their way. Whether your obstacle is big or small, permanent or temporary, I believe you have the power to overcome it. The steps may be small, and the journey may be long, but I guarantee it’ll be worth it. I’m overcoming mine—how will you overcome yours?”

Also known as a sit-down comedian, Brumfield uses humor to break down barriers and promote empathy and awareness around disability issues. His performances challenge stereotypes and encourage new perspectives about what people with disabilities can do.

Brumfield serves on the board of Walk America, based in Seattle, Washington, which advocates for walkability, accessibility, and disability rights nationwide. He completed his Walking College Fellowship through America Walks in 2017 and has since become a mentor in the program, while collaborating on initiatives to improve walkability and “rollability” across the country.

Walking Audits in Providence Neighborhoods

As part of Walktober, AARP Rhode Island has scheduled additional walks and audits throughout October. On October 9, a Broadway Walk/Roll Audit will take place, along with other events including a Comedy Walk & Roll with Brumfield and a Glow Stick Walk/Roll Dance Party.

Other Walktober walks are being hosted by Village Common Walking Group, Providence Preservation Society and Ocean State Center for Independent Living.

Through AARP’s 2025 Community Challenge grants, Providence’s Age-Friendly PVD initiative is funding four walk audits in neighborhoods with high concentrations of older adults to identify pedestrian safety challenges.

“AARP Rhode Island is pleased to work with so many community partners and with America Walks to promote access and safety for walkers and rollers of all ages and abilities,” said AARP Rhode Island State Director Catherine Taylor. “Walktober is truly a celebration, and we hope, at times, an inspiration as well as a wake-up call, as walk audits throughout the city reveal barriers and unsafe conditions that need to be addressed.

Added Taylor, “Walking is great exercise, and as walking groups become more and more popular, they serve as an opportunity for socialization that is very important to many people as they age.”

Here is How It Works…

According to AARP Rhode Island, walk audits involve participants walking through neighborhoods and noting infrastructure issues: missing or uneven sidewalks, unsafe crosswalks, poor lighting, or lack of benches and shade. Participants then document and report their findings so changes can be proposed and considered.

The events are meant to be inclusive, with accessibility a top priority. Walk audits not only identify safety concerns but also raise public awareness and encourage cities to take action.

Get Involved

·         For kickoff event and registration details and locations of walk audits visit register: www.aarp.org/RIWalktober, where you also will find an interactive Walktober Map.

·         To learn how to assess and report on the safety and walkability of a street, intersection, or neighborhood, visit the AARP Walk Audit Tool Kit at https://www.aarp.org/livable-communities/getting-around/aarp-walk-audit-tool-kit.html