Medicare open enrollment brings out scammers
By Greg Collier
This Friday, October 15th 2021, starts the period known as Open Enrollment for all Medicare recipients. Until December 7th, Medicare recipients will be able to decide if they want to stay with their current Medicare coverage or switch to a new insurer. With so many options to choose from and so many changes made each year, it can be difficult for seniors to keep up with all the necessary policies and paperwork each year. Unfortunately, Open Enrollment is also open season for Medicare scammers and fraudsters. Not only are there scams to go along with Open Enrollment, but some bad business practices as well.
While not technically a scam, some less than reputable insurance brokers will try to pressure seniors into switching to their company’s Medicare Advantage plan. While Advantage plans can be beneficial to some, they can also be limiting to others. It all depends on the patient’s personal needs, but some insurance agents are just looking for the sale. If you’re thinking about switching from Medicare to a Medicare Advantage Plan, please take the time to research the advantages and disadvantages of doing so. Don’t let some salesman pressure you into a decision that you may regret having for the following year.
As far as scams go, identity theft is often the biggest threat seniors face during Open Enrollment. Scammers will call their victims posing as being from the government with an official-sounding title like ‘health care benefits advocate’, or something along those lines. The victim will be promised that they’ll be signed up for the same or better coverage at a lower price. The phony agent will ask for all the victim’s personal information, including their Medicare number. Medicare fraudsters will then use the stolen number to charge Medicare with fraudulent procedures or items which could affect the victim’s benefits down the line. These scammers will also use high-pressure tactics to get the victim’s information, like telling the victim their benefits could expire if they don’t give their information right now. The calls can even appear as they’re coming from Medicare’s official phone number.
If you’re already enrolled in Medicare, your Medicare plan will only call you if you’re already a member of that plan. If you feel uncomfortable taking the call, you can always call your insurance company’s customer service number on the back of your insurance card.
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