What is SHIP?
The Rhode Island Senior Health Insurance Program (SHIP) is part of a national partnership to help consumers make informed health care choices. Funded by the Centers for Medicare and Medicaid Services, SHIP volunteers provide one-to-one counseling to seniors, adults with disabilities, families and caregivers. This program is available free to all Rhode Island residents.
Medicare & You Handbook 2025
This is the complete 2025 edition of the Medicare & You Handbook that is published by the Centers for Medicare & Medicaid Services (CMS). It is an extremely useful reference book that explains everything you need to know about signing up for Medicare, what types of additional insurance you can buy, what services are covered under Medicare, and much more. Every year this book is updated so this 2024 edition contains the most recent and accurate information.
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FRAUD ALERT
Beware of Scams Targeting Older Adults (National Institute on Aging)
Older adults are often the target of scams. Scammers are savvy and convincing, and their scams are designed to catch people off guard. Don’t be ashamed if you think you or someone you know has been a victim of a scam — it can happen to anyone.
Common scams aimed at older adults include:
- Government impersonator scams, such as someone posing as a Medicare representative asking for account information
- Fake prize, sweepstakes, and lottery scams, in which you are asked to pay money or provide account information to claim winnings
- Computer tech support scams, in which a scammer tells you that your computer has a problem and wants you to pay for support services to fix it
- The grandparent scam, in which a caller pretends to be a grandchild or other relative in distress
What can you do?
Here are a few steps you can take to help protect yourself and your loved ones from scams:
- Don’t give out sensitive personal information over the phone or in response to an email, social media post, or text message. Sensitive information includes your Social Security number, bank account information, credit card numbers, PINs, and passwords.
- Check incoming bills, including utility bills and credit card statements, for charges that you didn’t authorize. Contact the utility provider, credit card company, or bank if you see any charges you don’t recognize.
- Protect your electronic accounts by keeping the security software on your computer and smartphone up to date and by using multifactor authentication when possible.
- Don’t transfer money to strangers or to someone over the phone. Similarly, never buy a gift card to pay someone over the phone. Once you transfer money or share the numbers on the back of a gift card, there’s usually no way to get your money back.
- If someone is trying to scam you, they may threaten you or pressure you to act immediately. If this happens to you, don’t panic. Slow down and think about what the person is saying. If you suspect it’s a scam, end the call and talk to someone you trust.
One reason that scammers target older adults is that they are less likely to report suspected fraud. If you think that you or someone in your life has been the target of a scam, contact the National Elder Fraud Hotline at 833–372–8311. You can also contact your local police department or the attorney general of your state or territory, and you can report the scam to the Federal Trade Commission.
