Medicare Open Enrollment is October 15th – December 7th. If you’re a Medicare beneficiary, it’s important to stay alert: scammers are working hard to steal your personal information, and they’re getting more convincing every day.
One of the most common tactics they use is impersonating Medicare. These fraudsters may call you, send you texts, or even show up at your door pretending to be from Medicare or a related health agency. They often offer things like free medical equipment, new Medicare cards, or help with enrollment — but what they’re really after is your Medicare number, Social Security number, or banking information.
Here’s what you need to know:
• Medicare will NEVER call you uninvited. Unless you’ve requested a call or are already working with an agent, Medicare will not call you asking for your personal or financial details.
• Don’t give out your Medicare number or other personal information over the phone. Only give your Medicare number to doctors, pharmacists, or trusted health providers. If someone calls and asks for it — hang up!
• Watch out for “too good to be true” offers. Be suspicious of unsolicited offers of “Free” gift or incentive for Signing Up. These are often just bait to get your information.
• Scammers use fake caller ID numbers and official-looking documents. They may claim to be from “Medicare Services” or “Senior Benefits,” and use logos that look real. Don’t trust it just because it looks official.
• False Claims about Plan Benefits. Scammers my exaggerate coverage, hide costs, or say a plan includes benefits it does not. Always request printed materials or official plan documents before agreeing to anything.
What You Can Do:
• Hang up immediately if someone calls you out of the blue and claims to be from Medicare.
• Report scams to Medicare at 1-800-MEDICARE (1-800- 633-4227) or to the Senior Medicare Patrol (SMP) at www. smpresource.org.
• Protect your Medicare card like a credit card. Don’t carry it unless you need it that day.
• Check your Medicare statements for services or charges you don’t recognize.
The Bottom Line
Your insurance coverage is an important decision that affects your health, finances, and peace of mind. Don’t let anyone rush you, confuse you, or pressure you. By staying alert, asking questions and verifying information, you can protect yourself from scams and make informed choices.
