How to Avoid Falling for Scams in Medicare?

 

Most scams take place while a person is on the phone, nevertheless, few of these might hit you via U.S. mail, email or at times, even via door-to-door visits.

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Scammers can go to any extent in order to try to steal a person’s identity.

 

Common Medicare Scams:

 

  1. “Verify your identity” Scam:

 

Typically done via a phone call, scammers will ask you to provide your info so as to be eligible for a new card. They might even go to an extent where they’ll tell you that you must pay for the service they’re offering. Obviously, you must stay alert with these type of calls.

 

Scams about new Medicare cards are on the rise ever since the CMS announced that so as to safeguard SSN or Social Security numbers, beneficiaries will receive new cards from April this year. Each of these cards features a number which is unique to the person. Meaning he/she do not need to use their SS numbers as a replacement to their ID on the Medicare card.

 

However, it is important to note that new cards will be made available to seniors automatically. Hence, they don’t have to do anything for getting a new card. One final thing is, after receiving your new Medicare card, be sure to destroy your older card.

 

  1. “You Are Eligible for a Refund”

 

This is another way typically used by most scammers. Here, they say you owe a refund because of some changes to your Medicare Plan. Next, they’ll ask you to provide your Medicare number in addition to bank info to deposit the amount directly in your bank. Never provide them your bank details as it might allow them to empty your account. In case you are eligible for any type of refund in regards to your basic Medicare or Medicare Supplement Plan, you’ll receive a mail from your carrier. Nobody has the right to call you and ask for your bank details.

 

  1. FREE medical supplies

Here, the scammer will pretend as if he/she wants to offer you free healthcare checkup or supplies because it’s covered under your Medicare policy. Then, they’ll ask for your SSN in order to “verify” your Medicare, along with your credit card or bank account number to cover the shipping charges.

 

Never ever share any of your personal info with a random person over a phone.

 

It’s important for you to know that scams that happen over a phone aren’t always the easiest to recognize. Scammers tend to use technology for gathering personal info of their victim to make them appear more reliable and authentic. In case you feel that the person who’s calling you is asking you info that is too personal or secretive, it is best to hang up the phone right away, and block the caller immediately whenever possible.