Stay Safe: How to Avoid Common Medicare Scams
Blog Post: Common Medicare Scams and How to Avoid Them
As a Medicare beneficiary, you may be a target for scammers looking to exploit your personal information or trick you into parting with your money. Understanding common Medicare scams and how to protect yourself is crucial for staying safe. Here are some of the most common scams and tips on how to avoid them:
1. Phishing Scams
Phishing scams often involve fraudulent emails or phone calls that appear to come from legitimate sources like Medicare or healthcare providers. Scammers try to obtain your personal information, such as your Medicare number, Social Security number, or bank details.
How to Avoid:
Never share your personal information over the phone or via email unless you are certain of the recipient's identity.
Medicare will never call or email you asking for your Medicare number or other personal information.
2. Fake Free Services or Products
Scammers may offer you free medical supplies, services, or tests, but require your Medicare number to process the order. These scammers then use your information to bill Medicare for services or supplies you never received.
How to Avoid:
Be wary of anyone offering free services or products in exchange for your Medicare number.
Always check with your healthcare provider before accepting any medical services or supplies.
3. Fraudulent Billing
Some scammers use your Medicare number to bill Medicare for services or supplies you never received. This type of fraud not only costs taxpayers but can also affect your coverage and out-of-pocket costs.
How to Avoid:
Regularly review your Medicare Summary Notices (MSNs) and Explanation of Benefits (EOBs) for any suspicious charges.
Report any discrepancies or suspicious activities to Medicare immediately.
4. Healthcare Fraud by Providers
Sometimes, healthcare providers themselves engage in fraudulent activities, such as billing for services you didn’t receive or overcharging for services.
How to Avoid:
Always keep track of your medical appointments, services, and products you receive.
Question any unfamiliar charges on your medical bills and reports.
5. Medicare Card Scams
Scammers may claim that you need a new Medicare card and ask for your current Medicare number or other personal information to send it to you. They may also try to charge you for a new card.
How to Avoid:
Know that Medicare will never charge for a new card or ask for your information to issue one.
If you need a new card, contact Medicare directly.
Protecting Yourself
Guard your Medicare number and only share it with trusted healthcare providers or YOUR insurance agent.
Be skeptical of unsolicited calls or emails asking for your personal information.
Educate yourself about common scams and stay informed.
Report any suspicious activity to Medicare or the Federal Trade Commission (FTC).
By staying vigilant and informed, you can protect yourself from Medicare scams and ensure your personal information remains secure.
