6 ways you can avoid Medicare scams2023

6 ways you can avoid Medicare scams

6 ways you can avoid Medicare scams

Medicare scams are nothing new, and there has been a lot of activity in this area recently. The Centers for Medicare and Medicaid Services warned that scammers might attempt to steal everything from people’s Medicare numbers and banking information to personal information like birthdates and Social Security numbers by using the pandemic in April 2020.

The U.S. Department of Justice has been active in thwarting online criminals. It accused 138 people in the US of healthcare fraud in September 2021. $11 billion in alleged losses were a result of the crimes.
Some of his clients were impacted by these crimes, according to Silas Jessup, a licensed insurance agent based in Middlebury, Indiana. According to him, con artists were successful in persuading the beneficiaries to act by phone in a number of instances. “Sometimes, decisions made over the phone were not in the best interests of the customer and were challenging, if not impossible, to reverse. “.
6 ways you can avoid Medicare scams
6 ways you can avoid Medicare scams

 

 
1. Medicare representatives are unlikely to call you unless you request it.
 
Government organizations like the one in charge of running Medicare hardly ever call you. In addition, they won’t request that you confirm any private information if they do. 3 Phone scams are particularly dangerous because the con artist may use flattery to convince you to divulge your credit card number or Medicare card number. That may result in identity theft, which happens when someone steals your personal information and commits fraud, such as using your money to buy things without asking.
Only at these times will Medicare or a representative call to request your personal information.
If you already have a Medicare plan, the representative who assisted you in signing up may also contact you.
A customer service representative from 1-800-MEDICARE can call if you have called and left a message (or if the representative promised to call you back).
if you’ve already reported a fraud suspicion.
Never divulge any personal information. Additionally, be aware that Medicare will not frequently call you. They will typically send you information via mail. Here are 7 tips to help you safeguard yourself and your loved ones if you’re worried that you might become the victim of a future Medicare scam.
A licensed insurance agent is an excellent place to start if you need assistance understanding Medicare.
Find a reputable insurance agent as your first line of defense against Medicare scams.
It can be challenging to find the ideal licensed insurance agent to assist you with the Medicare application or plan switch process. The process can be confusing because there are so many options both offline and online.
Staying local is advised by Jessup. One way to avoid scams, he says, is to work with a local insurance agent who you can meet in person or who you can thoroughly research and vet. “Local agents who have a local presence and an established practice will frequently have more concern for placing the client into the right product — and also servicing that client on an ongoing basis. “Health Markets offers an online agent locator tool that can put you in touch with a qualified insurance agent in your area who can help.
2. If something seems too good to be true, it probably is. This is another prevention tip for Medicare scams.
 
It’s probably too good to be true if a complete stranger offers you something for nothing. It’s likely a scam whether you receive a call, see a post on social media, or receive a letter in the mail that offers free gifts. This is especially true if they require you to provide your personal information in order to receive the gift.
It’s a scam, according to Lindmier, if you have to divulge any personal information, such as your Medicare number, in order to receive the free item. In order to persuade people to attend a sales seminar, Lindmier notes that some licensed Medicare insurance agents may give away items with a low value ($15 or less).
However, in those circumstances, you receive the gift whether or not you enroll, and you are not required to divulge any personal information, according to Lindmier. Never divulge your personal information to anyone in exchange for an iPad or another extremely alluring gift. Your private information is being stolen, and you will never see that iPad.
3. Third advice for avoiding Medicare scams: Be cautious when opening emails that promote Medicare.
 
One of the simplest ways Medicare fraudsters can contact you is through email. According to Lindmier, “the sender will frequently conceal their real email address with a fake one.”. “The phony email address will seem authentic. However, if you move your mouse pointer over the sender’s email address, the sender’s actual email will appear. Take caution if they don’t line up.
In order to make it harder to spot, he points out that con artists frequently replace the letter “O” with the number “0” or the letter “I” with “!.”. Lindmier advises, “Keep a sharp eye out.”. Yet again, Medicare won’t email you to ask for your information. In their letter, they will include directions on how to provide them with the necessary information.
4. Tip number four for avoiding Medicare scams is to ignore any strange phone calls
 
Pick up the phone if an authorized insurance agent calls you about an appointment you’ve scheduled with them for a specific day and time. You’re ready to go. You should simply hang up the phone if a stranger calls you at any other time and introduce themselves as a Medicare insurance agent.
According to Jessup, “regular insurance agents who follow federal regulations cannot typically call a Medicare beneficiary who has not formally requested information or provided permission to contact.”. “Consumers should always be extremely cautious of any incoming calls that weren’t requested because the caller may be a scammer. “.
6 ways you can avoid Medicare scams
6 ways you can avoid Medicare scams
5. Tip number five for avoiding Medicare scams: Never believe a caller is who they claim to be.
 
If your grandson, who is employed by the U.S.S. government, calls to let you know he’ll be there and is someone to talk to. But if a total stranger calls and claims to be from the government before asking you intimate questions about Medicare, run the other way.
Because the caller identified themselves as the beneficiary’s current insurance provider, beneficiaries who believed they were being contacted by that company felt at ease sharing a great deal of personal information, according to Jessup. “Always be wary of incoming calls, and take care not to divulge personal information until you have verified the caller’s identity. “.
Sure, you can just hang up. You can ask them to verify their National Producer Number, or NPN, which is how you’ll know they’re real if you’re still unsure. The best course of action is to hang up if they are unable to give it to you right away.
According to Jessup, con artists are very skilled at gathering information from customers through the questions and the order in which they are posed. “Remember that some con artists may already have one or two pieces of your personal information that they will use to entice you to divulge more sensitive data. “.
 
6. Whenever you believe you are being targeted, report suspected Medicare scams.
 
There are several ways you can report fraud suspicions:.
Calling 1-800-HHS-TIPS (1-888-851-1506), the Department of Health and Human Services Office of the Inspector General’s fraud hotline will connect you to the appropriate department.
You could go to tips. oig. online complaint form at hhs.gov.
Contact the Internet Crime Complaint Center at ic3. gov if you believe that you have been the victim of email fraud.
According to Jessup, it’s critical to report suspected scams so that law enforcement can identify the perpetrators and take appropriate legal action. You are acting morally whichever way you choose.
Read more from this 3eyesonline.com
Find further information from an official website of the United States government: https://www.usa.gov/medicare

 

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