What makes the perfect scam? Several factors, but two of the biggest ones that can lead to a scam’s success are easy targets and opportune times.
What’s an easy target for many scammers? Seniors. What’s an opportune time? Right now, as Medicare Open Enrollment has kicked into gear.
To help you end this year scam-free as far as open enrollment is concerned, we’ll discuss some of the most common cons going on at the moment. Keep them in mind for the next few weeks, and you should be good to go while hopefully getting the Medicare coverage you need.
Before we jump into the scams themselves, let’s talk about what Medicare Open Enrollment is, just in case you need a refresher.
This period, which happens annually from October 15 to December 7, allows Medicare enrollees to upgrade their plans. Must you change your plan during open enrollment? No, but you should at least review your current coverage to see that it fits any changes in your health over the past year. And you should also review any changes to your plan for the coming year to ensure you don’t get sticker shock or see surprises when it comes to prescription coverage, in-network providers, and more.
Open enrollment gives you the chance to cut Medicare costs by enrolling in or switching plans, which has many enrollees taking action at this time. If you’re one of them, good for you. But as you take that action, watch out for the following cons.
Open Enrollment Scams To Watch Out For
Phone Scams
It’s always a good idea to avoid phone calls from numbers you don’t recognize to stay completely scam-free. When it comes to open enrollment cons, know that Medicare will not call you. They won’t leave voicemails or send unsolicited text messages either. Instead, they’ll send you mail.
What type of scam calls are making the rounds? Agents asking if you received something in the mail regarding your health insurance. Calls out of the blue where agents try to sell you plans that don’t exist or don’t cover your needs. People telling you they’re calling “from Medicare.”
Some of the most tempting phone scams include claims that you have refunds on the way from last year’s premiums or prescription plans. You can get offers of drug cards that offer deep discounts, but don’t work in the real world. Or you can get calls with promises of cheap health insurance plans and health cards.
In-Person Scams
While the phone gives con artists some cover, many will be bold enough to approach you in person. Know that agents cannot come up to you in common areas like hallways, parking lots, sidewalks, or lobbies. They can’t come to your door, nor leave leaflets or flyers on Medicare. And whether it’s on the phone, via the Net, or in person, never offer referrals, share your Medicare number, or let strangers see your Medicare card.
To play it safe, only deal with trusted Medicare sources, such as the program’s official website or SHIP, which is your State Health Insurance Assistance Program.
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