4 Things You Should Do to Protect Yourself From Medicare Scams

Medicare scams are a growing concern, particularly for seniors who rely on Medicare for their healthcare needs. Scammers often target Medicare beneficiaries to steal their personal information, Medicare numbers, and even their money. However, by being informed and vigilant, you can protect yourself from these fraudulent activities. Here are four key strategies to help safeguard your personal information and ensure your Medicare benefits remain secure.

1. Guard Your Medicare Number

Your Medicare number is as sensitive as your Social Security number. Treat it with the same level of security. Only share your Medicare number with trusted healthcare providers or your insurance agent who has a legitimate need for it. Medicare will not call you to ask for your personal information or Medicare number unless you’ve given them permission in advance. If someone contacts you unsolicited, claiming to be from Medicare and asking for your Medicare number or other personal information, it’s a red flag for a scam.

2. Be Skeptical of Offers for “Free” Medical Equipment or Services

Scammers often lure Medicare beneficiaries with offers of “free” medical equipment or services, asking for your Medicare number in return. Remember, if something sounds too good to be true, it probably is. Legitimate healthcare providers and suppliers don’t offer free goods or services in exchange for your Medicare number. Before accepting any offers, verify with your doctor to ensure the equipment or service is necessary and prescribed for you.

3. Review Your Medicare Statements Regularly

Be proactive about checking your Medicare statements (Medicare Summary Notice or MSN) for any charges for services or equipment you didn’t receive. This can be one of the first signs that someone may be using your Medicare information fraudulently. If you notice anything suspicious, report it immediately. You can call 1-800-MEDICARE (1-800-633-4227) or contact the Office of the Inspector General to report potential fraud.

4. Educate Yourself on Common Scams

Scammers are constantly evolving their tactics. Stay informed about the latest Medicare scam techniques by visiting the official Medicare website or contacting your local senior center for information on how to protect yourself. Common scams include phishing calls where scammers pretend to be Medicare representatives to extract personal information, offers for COVID-19 tests or vaccines in exchange for Medicare details, and fake renewal notices demanding payment.

When in Doubt…

Protecting yourself from Medicare scams requires vigilance, knowledge, and proactive measures. By guarding your Medicare number, being skeptical of too-good-to-be-true offers, reviewing your statements for fraudulent charges, and educating yourself on common scams, you can help keep your personal information and Medicare benefits secure. Remember, when in doubt, directly contact Medicare through their official channels to verify any information or report suspicious activities. This not only helps protect you but also contributes to the fight against Medicare fraud and abuse.