Protect Yourself: How Seniors Can Spot and Avoid Medicare Scams
Protect Yourself: How Seniors Can Spot and Avoid Medicare Scams
Medicare is a vital benefit—and unfortunately, that makes it a frequent target for scammers. Every year, thousands of seniors lose money or have their identities stolen by criminals pretending to represent Medicare, insurance companies, or government agencies. The good news? Most scams are easy to avoid once you know what to watch for.
Here’s how to protect yourself and your benefits.
Common Medicare Scams to Watch Out For
1. Unsolicited Phone Calls
If someone calls claiming to be “from Medicare” asking for your Social Security number, Medicare number, or bank information—hang up immediately. Medicare does not make unsolicited calls.
2. Pressure to Act Fast
Scammers often say things like “This offer expires today” or “You’ll lose your benefits if you don’t act now.” High-pressure tactics are a major red flag.
3. Fake Free Offers
Offers for “free” braces, testing kits, groceries, or gift cards in exchange for your Medicare number are usually scams. Nothing is truly free if they need your personal information.
4. Emails and Text Messages
Medicare does not send texts or emails asking for personal or financial details. Do not click links or download attachments from unknown senders.
5. Imposters Posing as Agents
Some scammers pretend to be licensed insurance agents. Always verify credentials and never share information with someone you did not contact first.
How to Protect Yourself
Never share your Medicare number unless you initiated the call and trust the source
Do not click links in suspicious emails or texts
Shred documents that include personal or medical information
Review your Medicare Summary Notice for charges you don’t recognize
Work with a licensed, trusted advisor who explains your options clearly and never rushes you
What to Do If You Suspect a Scam
If something doesn’t feel right, trust your instincts. You can:
Hang up or delete the message
Report the scam to Medicare or your local Senior Medicare Patrol
Contact a trusted family member or advisor before taking action
Final Reminder
Medicare scams thrive on confusion and urgency. Honest advisors educate, explain, and empower—you should never feel pressured or afraid when making healthcare decisions.
If you have questions about your Medicare coverage or want help reviewing your options safely, always work with a licensed professional who puts your protection first.
