As Medicare’s annual open enrollment period approaches, more than 2 million Michiganders will have the chance to review and adjust their health and prescription drug plans. The enrollment window runs from Oct. 15 through Dec. 7 and is the main opportunity when anyone eligible can make major Medicare changes.
But along with this opportunity comes an increased risk of fraud.
Scammers often take advantage of the confusion surrounding the enrollment period, posing as Medicare representatives to gather sensitive personal information. One of the most common schemes involves callers asking for a Medicare ID number, using it to make unauthorized changes or even switch someone’s Medicare Advantage plan without their permission.
“Medicare will never call you asking for your Medicare ID number, Social Security number or to pressure you into a quick plan change,” said Kyle Ingraham, director of sales for government programs at Health Alliance Plan. “If you get a call like that, it’s a scam. The safest move is to hang up and contact a licensed agent or the customer service number on the back of your insurance card.”
Protecting your Medicare information
Experts advise treating your Medicare ID number with the same level of care as your Social Security number or credit card. In most cases, your Medicare number is only needed during enrollment, not for general questions about your plan.
“Scammers are getting more creative every year,” Ingraham said. “That’s why it’s so important to slow down, confirm who you’re talking to and protect your personal information.”
The Centers for Medicare & Medicaid Services also recommends checking your Medicare statements regularly and comparing them to your own records. This can help ensure the services billed match the care you received and alert you to possible fraud.
Red flags to watch for
According to experts, here are some ways to help mitigate Medicare fraud or a scam attempt:
- Never give your Medicare number or other personal details to someone you do not know.
- Be skeptical if someone claims to be from Medicare and offers to enroll you, especially if they ask to “confirm” your ID number.
- Do not trust caller ID. Scammers can fake official-looking numbers.
- Medicare does not send representatives to your home or sell coverage directly. There are no “official Medicare agents.”
- Be wary of mailers that look like government notices but are actually advertisements from private companies.
- Review your Medicare statements and contact your provider if anything looks unfamiliar.
What is medical identity theft?
Medical identity theft happens when someone uses your personal health information without your consent. This includes someone receiving care in your name or false claims submitted under your Medicare account.
To help protect yourself:
- Review all receipts and Medicare summary notices carefully.
- Only share your Medicare card and number with trusted providers or insurers.
- Avoid accepting gifts or money in exchange for medical services.
- Do not enroll in a Medicare plan over the phone unless you initiate the call.
How to report suspected fraud
If you think you might have been targeted by a Medicare scam, take action right away: call 800-633-4227 or report Medicare fraud online.
“Ultimately, our goal is to protect Michigan’s Medicare beneficiaries,” Ingraham said. “By staying alert and following a few simple steps, seniors can safeguard their coverage and their peace of mind.”
For additional resources and to learn more about Medicare, visit the HAP website here.
Health Alliance Plan (HAP) has HMO, HMO-POS, PPO plans with Medicare contracts. Enrollment depends on contract renewal.
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