Medicare Enrollment Period, Protect Yourself From Fraudsters

Medicare enrollment period every year is between October 15th and December 7th. During this time, beneficiaries can review the many choices offered for coverage. They run the gamut from medical services to prescription drugs. You can tailor your choices according to budget and need.

At the same time, The Centers for Medicaid and Medicare Services (CMS) warns consumers to be aware of scams and fraudsters. These fraudsters use various schemes to get people’s social security and credit card numbers.

Let’s review some of these scams.

 

 

medicare enrollment period

 

 

Medicare Enrollment Period: Keep Your Info Private 

Be very careful and protect your social security number and credit card information. Medicare never call beneficiaries to ask you for this type of information. So if you do get such a call, know that it’s a scam and hang up the phone.

 

Medicare Enrollment Period: Don’t Succumb To Threats

 

You’re contacted and told you have to sign up for Medicare Part D Prescription Drug Plan or you will lose your Medicare coverage. Don’t fall for it; it’s not true. The Part D plan is voluntary and is not connected to your primary Medicare coverage.

Medicare Enrollment Period: Beware The Confirmation Phone Call

 

Medicare will never call you to confirm your registration information. If you do get a call like this, hang up the phone.

 

Medicare Enrollment Period: Beware The “Insurance” Agent

 

You get a call from an insurance agent offering you a deal on a Medigap plan (supplemental insurance) or a Medicare Advantage private plan.

Don’t give out any information. Do ask for the ‘plan’ details in writing.

Also, call your state insurance department to make sure the company is registered and legitimate.

If you receive an email from them that has a link; don’t click it open as it might be a virus. Get confirmation that the company is legitimate.

 

 

Medicare Enrollment Period: “Updating” Your Account

 

You get a phone call requesting your Medicare number so that your account can be updated. Do not provide this nor any other information.

Medicare will not call you, never did, never will–to ask these types of questions. Indeed, earlier this year, Medicare changed their system. You now receive in the mail (only), an 11-character ID that replaces your social security numbers.

 

You also do not have to pay a fee to get your Medicare card; the cards are free. If you have still not received your new card, go to the CMS web site and on the status of the mailing in your state. You can also sign up for an email alert when the card is mailed.

 

If you have any questions about your coverage or enrollment, you can call the Medicare hotline at 800-MEDICARE (800-633-4227).

 

Good Luck!

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