Protect Yourself From Medicare Scams

Medicare scams are a growing concern, particularly for older adults who rely on this healthcare program. These scams can take many forms, from fraudulent claims to identity theft, and can have serious financial and personal consequences. Here is how to protect yourself and your loved ones from Medicare scams.

Understand Common Types of Medicare Scams

Phishing Scams
Scammers may send emails or messages that appear to be from Medicare, asking for personal information like Social Security numbers or Medicare ID numbers. 
If you receive an email or message, check the sender's email address carefully. Phishing emails often come from addresses that look similar to legitimate ones, but may have slight misspellings or extra characters. Look for red flags like poor grammar, urgent or threatening language, and requests for sensitive information. Avoid clicking links. Hover over links to see the actual URL (website address) before clicking. If the URL looks suspicious or doesn't match the official website, don't click it! Avoid opening attachments from unknown or unexpected sources, they may contain malware.

Phone Scams
Fraudulent callers often pretend to be Medicare representatives, asking for personal details or offering fake services or products. Be cautious, even if the caller ID looks legitimate. Scammers can spoof phone numbers to appear as if they are calling from a trusted source. Be suspicious of unexpected calls from unknown numbers, especially if they ask for personal information or money. Do not share personal information or financial information over the phone unless you initiated the call and are certain of the recipient's identity. If you suspect a call is fraudulent, hang up immediately. You can always call the company back using a known, legitimate number to verify the call.

Medical Identity Theft
Scammers use stolen Medicare numbers to submit false claims or obtain medical services, leaving victims with fraudulent charges on their records. Monitor your medical records and billing statements. Regularly review your Explanation of Benefits (EOB) statements from your health insurer. Look for any discrepancies or unfamiliar charges. Protect your personal information. Shred documents containing personal or medical information before disposing of them. Be cautious about sharing personal information, especially over the phone or online. Educate yourself, by staying informed about the latest scams and tactics used by identity thieves. 

Fake Offers For Free Services
Scammers might offer free medical services or equipment in exchange for your Medicare information, which they then use for fraudulent billing. Never provide your Medicare number to someone over the phone.

Red Flags to Watch Out For

• Unsolicited contacts: Be cautious of any unsolicited phone calls, emails, or home visits from individuals claiming to represent Medicare.
• Requests for personal information: Medicare will never call or visit you to ask for your Medicare number, Social Security number, or bank information.
• Pressure tactics: Scammers often create a sense of urgency to push you into making quick decisions without proper verification.
• Free offers: Be skeptical of offers for free medical services or equipment, especially if you need to provide your Medicare information to receive them.
• High pressure sales: Be wary of aggressive sales tactics for Medicare plans or services.

Protect yourself from Medicare Scams

Guard your Medicare number, treat it like a credit card. Do no share it with anyone except your trusted healthcare providers. Monitor your Medicare statements. Regularly review your Medicare Summary Notices (MSNs) and Explanation of Benefits (EOBs) for any suspicious charges or services you did not receive. Use official Medicare channels. If you have questions or need information, contact Medicare directly using the official phone number (1-800-MEDICARE) or visit the official website (medicare.gov). Report suspicious activity. If you receive a suspicious call, email, or visit, report it to Medicare and your local Senior Medicare patrol (SMP).

Useful Resources

Medicare (1-800-MEDICARE or medicare.gov): For official information and to report fraud.
Federal Trade Commission (FTC) (1-877-FTC-HELP or ftc.gov): To report scams and identity theft
Senior Medicare Patrol (SMP) (smpresource.org): For local support and information on Medicare fraud prevention.

Medicare Scams can be both financially and emotionally draining. By staying vigilant and informed, you can protect yourself and your loved ones from falling victim to these deceptive practices. Always be cautious with your personal information, question unsolicited offers, and report any suspicious activity promptly. Remember, protecting your Medicare information is essential to safeguarding your healthcare and financial well-being. Stay safe!

To Get Help Now, Call Our Office

​Rob Davies
Prairie Grove Insurance
800-254-5200
​608-839-0275