Medicare provides essential health benefits to millions of Americans, particularly seniors. Unfortunately, this makes it a prime target for scammers looking to exploit beneficiaries. Understanding common Medicare scams and how to avoid them is crucial for protecting your personal information and ensuring your benefits remain secure.

Common Medicare Scams

1. Phishing Scams

Description: Phishing scams involve fraudsters attempting to obtain personal information such as Medicare numbers, Social Security numbers, or bank details through deceptive emails, phone calls, or text messages.

Example: You receive an email that appears to be from Medicare, asking you to verify your information by clicking a link. The link leads to a fake website designed to steal your personal details.

How to Avoid:

• Verify the Source: Medicare will never ask for your personal information via email or text. Always verify the authenticity of the message by contacting Medicare directly.

• Look for Red Flags: Be cautious of messages that create a sense of urgency or ask for sensitive information.

• Use Secure Websites: Ensure the website address begins with "https://" before entering any personal information.

2. Fake Free Services or Equipment

Description: Scammers offer free medical services or equipment in exchange for your Medicare number, which they then use to bill Medicare for services or equipment you never received.

Example: You receive a call offering a free back brace or genetic testing kit, requiring only your Medicare number for processing.

How to Avoid:

• Decline Unsolicited Offers: Be wary of unsolicited offers of free medical equipment or services.

• Consult Your Doctor: Always consult with your healthcare provider before accepting any medical services or equipment.

3. Phone Scams

Description: Fraudsters impersonate Medicare representatives or other trusted figures to extract personal information or money from beneficiaries over the phone.

Example: You get a call from someone claiming to be from Medicare, saying there’s an issue with your account and requesting your Medicare number to resolve it.

How to Avoid:

• Hang Up and Verify: Hang up and call Medicare directly using the number on your Medicare card to verify the call’s legitimacy.

• Do Not Share Information: Never provide personal information over the phone unless you initiated the call.

4. Medicare Card Scams

Description: Scammers claim you need a new Medicare card and ask for your current Medicare number and other personal details to send you a replacement.

Example: You receive a call stating that Medicare is issuing new cards with microchips and you need to provide your Medicare number to get yours.

How to Avoid:

• Know the Process: Medicare will automatically send you a new card if needed. You do not need to provide any information to receive it.

• Report Suspicious Activity: Report any suspicious calls or requests to the Federal Trade Commission (FTC) or Medicare.

5. Healthcare Fraud

Description: Fraudsters submit false claims to Medicare for services or equipment that were never provided or are unnecessary, using stolen Medicare numbers.

Example: You notice charges on your Medicare statement for services you never received, such as physical therapy or durable medical equipment.

How to Avoid:

• Review Your Statements: Regularly check your Medicare Summary Notices (MSNs) and Explanation of Benefits (EOBs) for any discrepancies.

• Report Errors: Report any suspicious or incorrect charges to Medicare immediately.

How to Protect Yourself from Medicare Scams

1. Guard Your Medicare Number: Treat your Medicare number like a credit card number. Do not share it with anyone except your trusted healthcare providers.

2. Be Skeptical of Unsolicited Offers: Be cautious of unsolicited phone calls, emails, or visits offering free medical services or equipment.

3. Monitor Your Medicare Statements: Regularly review your MSNs and EOBs for any unfamiliar charges or services. Contact Medicare if you spot any discrepancies.

4. Educate Yourself and Loved Ones: Stay informed about common scams and share this information with family and friends to help protect them as well.

5. Use Official Medicare Resources: When in doubt, contact Medicare directly using the number on your Medicare card or visit the official Medicare website (www.medicare.gov) for accurate information.

Reporting Medicare Scams

If you suspect you’ve been targeted by a Medicare scam or notice any suspicious activity, report it immediately:

• Medicare: 1-800-MEDICARE (1-800-633-4227)

• Senior Medicare Patrol (SMP): 1-877-808-2468

• Federal Trade Commission (FTC): www.ftccomplaintassistant.gov or 1-877-FTC-HELP (1-877-382-4357)

Conclusion

Medicare scams are unfortunately common, but being aware of the tactics used by fraudsters can help you stay protected. By staying vigilant, verifying information, and promptly reporting suspicious activity, you can safeguard your Medicare benefits and personal information. Remember, Medicare will never contact you to ask for personal information, so always be cautious of unsolicited communication regarding your Medicare account.