{"id":28411,"date":"2025-04-29T09:15:28","date_gmt":"2025-04-29T17:15:28","guid":{"rendered":"https:\/\/www.spokeo.com\/compass\/?p=28411"},"modified":"2025-04-29T09:15:33","modified_gmt":"2025-04-29T17:15:33","slug":"medicare-scams","status":"publish","type":"post","link":"https:\/\/www.spokeo.com\/compass\/medicare-scams\/","title":{"rendered":"How to Spot Medicare Scam Calls (and What to Teach Your Elderly Parents!)"},"content":{"rendered":"\n<p>According to estimates from the <a href=\"https:\/\/www.cnbc.com\/2023\/03\/09\/how-medicare-and-medicaid-fraud-became-a-100b-problem-for-the-us.html\" target=\"_blank\" rel=\"noreferrer noopener\">National Health Care Anti-Fraud Association<\/a>, American taxpayers lose more than $100 billion to Medicare and Medicaid-based fraud every year \u2013 and that\u2019s considered a conservative figure, if you can believe it. Scams thrive (to put it lightly) in this sector for a cross-section of reasons. Not only is the inspector general\u2019s office tasked with fighting this sort of fraud woefully understaffed, with just around 450 agents to serve the entire U.S., but the grifts tend to target underserved or underprivileged groups like <a href=\"https:\/\/wordinblack.com\/2023\/09\/medicare-scams-targeting-senior-citizens\/\" target=\"_blank\" rel=\"noreferrer noopener\">poor, black, and elderly Americans<\/a>\u2014 the latter of whom are Medicare\u2019s core beneficiaries.\u00a0\u00a0<\/p>\n\n\n\n<p>Up to 22% of seniors who make less than $25,000 per year report receiving fraudulent Medicare calls, an experience that can make the already confusing web of navigating America\u2019s famously complicated healthcare systems downright nightmarish. Knowing what to look for and how to stay safe not only helps protect you, but <a href=\"https:\/\/www.spokeo.com\/compass\/10-grandparent-scams\/\">sharing that kno<\/a><a href=\"https:\/\/www.spokeo.com\/compass\/10-grandparent-scams\/\" target=\"_blank\" rel=\"noreferrer noopener\">w<\/a><a href=\"https:\/\/www.spokeo.com\/compass\/10-grandparent-scams\/\">ledge with your elderly loved ones<\/a> could save them a ton of heartbreak, and a ton of money, too.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Medicare Scam Calls<\/h2>\n\n\n\n<p>When the topic of Medicare scams pops up, most people start with one reasonable question: Does Medicare call you at home? Straight from the horse\u2019s mouth at <a href=\"https:\/\/www.medicare.gov\/basics\/reporting-medicare-fraud-and-abuse\" target=\"_blank\" rel=\"noreferrer noopener\">Medicare.gov<\/a>, \u201cMedicare will never call you to sell you anything.\u201d In fact, \u201cMedicare will only call and ask for personal information in limited situations,\u201d such as when you\u2019re already a member of a health or drug plan and more info is needed, if you\u2019ve called Medicare and asked for a callback, or if you\u2019ve filed a fraud report.\u00a0<\/p>\n\n\n\n<p>Where things get sticky \u2013 and scammy \u2013 for <a href=\"https:\/\/www.spokeo.com\/compass\/senior-scam-what-to-do-if-an-elderly-parent-is-being-scammed\/\" target=\"_blank\" rel=\"noreferrer noopener\">seniors<\/a>, though, is on the Medicare marketing end. Most Medicare scams occur when choosing a health care plan. While Medicare marketing isn\u2019t illegal in America, the <em>type <\/em>of marketing is regulated (more on that later). However, because of the inherent confusion that comes with choosing Medicare plans, the majority of Medicare scam calls are marketing-related.\u00a0\u00a0\u00a0\u00a0<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"682\" src=\"https:\/\/i0.wp.com\/www.spokeo.com\/compass\/image\/pexels-karolina-grabowska-5207114.jpg?resize=1024%2C682&#038;ssl=1\" alt=\"health care worker on phone receiving medicare scam call\" class=\"wp-image-28412\" srcset=\"https:\/\/i0.wp.com\/www.spokeo.com\/compass\/image\/pexels-karolina-grabowska-5207114.jpg?resize=1024%2C682&amp;ssl=1 1024w, https:\/\/i0.wp.com\/www.spokeo.com\/compass\/image\/pexels-karolina-grabowska-5207114.jpg?resize=300%2C200&amp;ssl=1 300w, https:\/\/i0.wp.com\/www.spokeo.com\/compass\/image\/pexels-karolina-grabowska-5207114.jpg?resize=768%2C512&amp;ssl=1 768w, https:\/\/i0.wp.com\/www.spokeo.com\/compass\/image\/pexels-karolina-grabowska-5207114.jpg?resize=1170%2C780&amp;ssl=1 1170w, https:\/\/i0.wp.com\/www.spokeo.com\/compass\/image\/pexels-karolina-grabowska-5207114.jpg?resize=585%2C390&amp;ssl=1 585w, https:\/\/i0.wp.com\/www.spokeo.com\/compass\/image\/pexels-karolina-grabowska-5207114.jpg?resize=263%2C175&amp;ssl=1 263w, https:\/\/i0.wp.com\/www.spokeo.com\/compass\/image\/pexels-karolina-grabowska-5207114.jpg?w=1280&amp;ssl=1 1280w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\">Types of Medicare Scam Calls<\/h3>\n\n\n\n<p>The unfortunate reality is that the various types of Medicare scam calls cooked up by con artists are just about as numerous as the types of plans themselves. Navigating healthcare is confusing enough on its own, so keep your elderly loved ones stress-free by identifying some of the most common types of Medicare scam calls:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Medicare card replacements.<\/strong> In this popular shakedown, scammers claim to be from Medicare, Medicaid, or a similar organization and call up victims, telling them that they need a new or replacement card. Of course, to get you that \u201cnew card,\u201d you\u2019ll need to provide the criminals with plenty of private information, which they can use to commit identity theft and eventually get to their most common target \u2013 your bank account.<\/li>\n\n\n\n<li><a href=\"https:\/\/www.thomsonreuters.com\/en-us\/posts\/investigation-fraud-and-risk\/fraud-scams-targeting-seniors\/\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>Medical equipment schemes<\/strong><\/a><strong>. <\/strong>This one\u2019s a little more crafty than your typical phishing attempt. Callers claiming to be Medicare reps or medical supply companies convince victims that they need medical equipment for care, with some common examples including catheters as well as knee, back, and orthotic braces. What they\u2019re really looking for is a Medicare number, which they\u2019ll use to order the equipment and either get a kickback on the purchase themselves or submit phony Medicare reimbursement claims for it.\u00a0\u00a0\u00a0<\/li>\n\n\n\n<li><strong>Private Medicare sales fraud.<\/strong> Commonly used under the popular Medicare Advantage branding, these scammers claim to be cold-calling (a red flag) to sell plans, often offering incentives that are illegal to tie to Medicare plans, like gift cards and free meals. Sometimes, this is a phishing attempt to get that aforementioned sensitive info; other times, they\u2019ll charge a bogus \u201cenrollment\u201d fee on the phone right then and there, which means the victim is not just out of money, the scammers might have their credit card info, too.<\/li>\n\n\n\n<li><strong>Medicare cancellation and refunds.<\/strong> These calls are also phishing attempts, which means they\u2019re out to get sensitive information like bank account info, Medicare numbers, Social Security numbers, and the like, but they commonly leverage two types of tactics. In one scenario, callers threaten to cancel Medicare coverage unless the victim can \u201cverify\u201d said private info over the phone. In another, they\u2019ll claim that victims are eligible for a refund \u2013 but you\u2019ll need to give them your Medicare number or bank account details to get the money. Spoilers: they&#8217;ll get <em>your <\/em>money instead.\u00a0\u00a0<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">Other Types of Medicare Scams<\/h3>\n\n\n\n<p>While Medicaid and Medicare <a href=\"https:\/\/www.spokeo.com\/compass\/identify-99-phone-scams\/\" target=\"_blank\" rel=\"noreferrer noopener\">scam calls<\/a> are the most common variety, today\u2019s bad actors aren\u2019t limited to the phone. Keep an eye out for these types of medicare scams, too, and tell your loved ones about them:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Door-to-door Medicare.<\/strong> In-person \u201cmarketing reps\u201d sometimes target seniors with tempting healthcare plans, or request additional private information for those with existing plans. Does Medicare call you at home? Only in select circumstances. But does Medicare <em>visit <\/em>your home? Absolutely not.\u00a0<\/li>\n\n\n\n<li><strong>Online Medicare phishing.<\/strong> You\u2019ve surely noticed that a great deal of Medicare scams are <a href=\"https:\/\/www.spokeo.com\/compass\/how-to-stop-spam-and-phishing-emails\/\" target=\"_blank\" rel=\"noreferrer noopener\">phishing hustles<\/a>, and phishing doesn\u2019t just happen on the phone \u2013 it happens online and via text, too. A lot. These forms of Medicare phishing often come with a suspicious link directing email and text recipients to a fake Medicare plan page. At the link, the victim might be prompted to enter private information (for instance, to \u201cverify\u201d their plan, change to too-good-to-be-true coverage, or get a \u201creplacement card\u201d), or the link might directly download malware onto their device.\u00a0<\/li>\n\n\n\n<li><a href=\"https:\/\/www.ncoa.org\/article\/5-warning-signs-of-a-medicare-scam-and-how-to-protect-yourself\/\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>Medicare malpractice by mail.<\/strong> <\/a>Sometimes, targeted seniors will receive unsolicited genetic testing kits or a request to send in their old or expired Medicare cards by mail. While they may be wildly different things to receive in your mailbox, they\u2019re both scams aiming for the same thing \u2013 the victim mailing in their private data in return.\u00a0<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">Red Crosses and Red Flags&nbsp;<\/h2>\n\n\n\n<p>Medicare enrollment for senior citizens happens from October to December each year, so Medicare scams naturally spike during these periods \u2013 you\u2019ll want to make sure the older folks in your family are especially vigilant during enrollment season. On the subject of those Medicare marketing regulations we mentioned earlier, it\u2019s illegal for Medicare marketers to offer time-limited discounts on any plans, a common pressure tactic used by fraudsters. So that\u2019s red flag number one. Offering gifts for enrollment is similarly illegal, and similarly scammy.<\/p>\n\n\n\n<p>These and adjacent sorts of pressure tactics are a big warning sign. But even bigger and more obvious? It\u2019s straight-up illegal for Medicare marketers to call beneficiaries unless the call has been requested, making unsolicited calls the deepest, most crimson flag of them all.&nbsp;<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/i0.wp.com\/www.spokeo.com\/compass\/image\/pexels-karolina-grabowska-4386466.jpg?resize=1024%2C683&#038;ssl=1\" alt=\"stethoscope and mask with hand staying safe from medicare scam call\" class=\"wp-image-28413\" srcset=\"https:\/\/i0.wp.com\/www.spokeo.com\/compass\/image\/pexels-karolina-grabowska-4386466.jpg?resize=1024%2C683&amp;ssl=1 1024w, https:\/\/i0.wp.com\/www.spokeo.com\/compass\/image\/pexels-karolina-grabowska-4386466.jpg?resize=300%2C200&amp;ssl=1 300w, https:\/\/i0.wp.com\/www.spokeo.com\/compass\/image\/pexels-karolina-grabowska-4386466.jpg?resize=768%2C512&amp;ssl=1 768w, https:\/\/i0.wp.com\/www.spokeo.com\/compass\/image\/pexels-karolina-grabowska-4386466.jpg?resize=1170%2C780&amp;ssl=1 1170w, https:\/\/i0.wp.com\/www.spokeo.com\/compass\/image\/pexels-karolina-grabowska-4386466.jpg?resize=585%2C390&amp;ssl=1 585w, https:\/\/i0.wp.com\/www.spokeo.com\/compass\/image\/pexels-karolina-grabowska-4386466.jpg?resize=263%2C175&amp;ssl=1 263w, https:\/\/i0.wp.com\/www.spokeo.com\/compass\/image\/pexels-karolina-grabowska-4386466.jpg?w=1279&amp;ssl=1 1279w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\">Stay Safe from Medicare Scams<\/h2>\n\n\n\n<p>With 88 percent of black adults and 76 percent of white adults receiving unsolicited scam calls in the past 12 months, staying safe is more important than ever. Here are some basic rules of thumb that can help adults, elders, and everyone else <a href=\"https:\/\/www.fcc.gov\/older-americans-and-medicare-scams\">stay safe<\/a> from Medicare scams:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Generally speaking, <strong>don\u2019t disclose private information over the phone<\/strong> unless you are <em>absolutely <\/em>certain you\u2019re speaking to a trusted organization. And don\u2019t click on sketchy links, either.\u00a0<\/li>\n\n\n\n<li><strong>Keep your Medicare records and benefit statements accessible<\/strong> and orderly so that you know for certain when scammers try to charge you for things like supplies, medications, or services you didn\u2019t receive, or charge you double for things you did.<\/li>\n\n\n\n<li><strong>Never accept gifts offered by Medicare marketers<\/strong>. That goes for medical gifts, too. Consider the commonly used bait phrase \u201cpaid for by Medicare\u201d as a reason to be suspicious. Even if you get a free (often worthless) tchotchke out of it, scammers have your information, which is far more valuable.\u00a0<\/li>\n\n\n\n<li><strong>Avoid joining any Medicare health or drug plans over the phone<\/strong>.<\/li>\n\n\n\n<li>If you receive medical equipment that wasn\u2019t ordered by you or your doctor, <strong>don\u2019t accept or open it<\/strong>. Instead, refuse delivery or opt to return to the sender, and keep the sender\u2019s info on file so you can report potential fraud. Which brings us to\u2026<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">Been Scammed? Take Action (and Help Others)<\/h2>\n\n\n\n<p>If you\u2019re sure you or your loved ones have fallen victim to a Medicare phone scam, you\u2019re not alone. First, contact your bank to come up with a solution such as putting a stop on the associated bank accounts, refunding fraudulent transactions, and blocking them from occurring again. Second, contact Medicare to report the fraud, which can help clear up your case and provide (the real) Medicare with important data for future scam prevention. You can contact them at 1-800-MEDICARE, or click the big \u201cReport Identity Theft\u201d button at this <a href=\"https:\/\/www.medicare.gov\/basics\/reporting-medicare-fraud-and-abuse#:~:text=Remember%20that%20Medicare%20will%20never,a%20member%20of%20the%20plan.\" target=\"_blank\" rel=\"noreferrer noopener\">Medicare.gov link<\/a>.\u00a0<\/p>\n\n\n\n<p>And if you\u2019re getting calls from suspicious numbers, you can take some preventive action of your own, too. Use <a href=\"https:\/\/www.spokeo.com\/reverse-phone-lookup\" target=\"_blank\" rel=\"noreferrer noopener\">Spokeo\u2019s Reverse Phone Lookup<\/a> to search millions of landline and cell records, quickly and confidentially uncovering the caller\u2019s name and location. You\u2019ll know if the call is legit in seconds.\u00a0<\/p>\n\n\n\n<p>Like a good Medicare plan, staying safe from Medicare scams is good for your health, too.<\/p>\n\n\n\n<p><em>As a freelance writer, small business owner, and consultant with more than a decade of experience, Dan has been fortunate enough to collaborate with leading brands including Microsoft, Fortune, Verizon, Discover, Office Depot, The Motley Fool, and more. He currently resides in Dallas, TX.<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Medicare scam calls sadly run rampant among the vulnerable elderly community \u2013 keep your loved ones up to date on common scams and red flags. <\/p>\n","protected":false},"author":154,"featured_media":28414,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"jetpack_post_was_ever_published":false,"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[614],"tags":[],"class_list":["post-28411","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-safety"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v24.9 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>How to Spot Medicare Scam 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