Medicare Open Enrollment Scams: Red Flags and What to Do
Medicare Open Enrollment runs from October 15 to December 7. It is the time of year when people with Medicare can compare plans and make changes for next year. Sadly, it is also a busy season for scammers who pretend to be from Medicare.
Here is how to spot the warning signs and what to do instead.
How These Scams Usually Sound
The Federal Trade Commission (FTC) says scammers often pose as Medicare or someone connected to it. They may say you need to “confirm” your Medicare number, bank account or credit card number to get a new Medicare card. Others mention a medical equipment claim you don’t remember. Their goal is your personal information, which they can use to bill Medicare in your name.
Caller ID can be faked, so a call can look like it comes from Medicare even when it doesn’t.
Red Flags to Remember
- Someone contacts you out of the blue and says they are from Medicare.
- They ask for your Medicare, Social Security or bank account number.
- They want to sell you something or charge you for a Medicare card. Your card is free and is mailed to you automatically.
- They rush you or say you will lose your benefits if you don’t act now.
- Someone shows up at your door to sell a plan. Medicare.gov says Medicare will never visit you at home.
What to Do Instead
- Hang up. You don’t need to be polite to a stranger asking for your numbers.
- If you think the call might be real, call Medicare yourself at 1-800-MEDICARE (1-800-633-4227).
- Don’t join a health or drug plan over the phone unless you made the call.
- For free, unbiased help comparing plans, contact your State Health Insurance Assistance Program (SHIP) at shiphelp.org.
- Check your Medicare statements for services you never received.
If You Already Shared Information
It happens to careful, smart people every day, and it is not your fault. Act quickly: call 1-800-MEDICARE to report it, and contact your local Senior Medicare Patrol at 1-877-808-2468 for free help. If you gave out bank or card details, call your bank right away. If you think someone is using your identity, report it at IdentityTheft.gov.
