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Watch Out for These Common Medicare Scams

Posted by Melissa Hanes
Estimated Reading Time 1 minute 22 seconds

Watch Out for These Common Medicare Scams

Enrolling in Medicare can be complicated enough. Unfortunately, scammers and unethical brokers sometimes make the process even more difficult. Watch out for these common signs of a Medicare scam, not just during enrollment season but all year long.

“Medicare representatives.” Medicare does not employ representatives who will reach out to you, attempting to sell you a plan. Yes, plans called Medicare Advantage are available through private insurance companies, but you will learn about those through a licensed insurance broker.

Fear-based tactics. No, you never have to enroll in, or purchase, any type of plan to “avoid losing your benefits.” This is a common tactic used to incite fear and prompt you to act quickly without examining the seller. If you don’t choose a new plan during the enrollment season, you will simply be re-enrolled into your current plan. And you never have to enroll in a Part D (prescription) plan to avoid losing other benefits.

Fake refund offers. Medicare will never contact you to inquire about your Medicare ID number, birth date, bank account number, or other sensitive information. This is especially true with “refund” or “rebate” offers. If you overpay for some reason, your plan administrator would contact you by mail.

“Extra benefits.” Anyone who contacts you, offering tempting “extra benefits” could be a scam artist. Always check for a broker’s license number before discussing your Medicare plan with them but be aware that unethical licensed brokers do exist as well. Never provide your Medicare ID number over the phone. This is often a trick used to enroll you in a different plan without your being aware.

Licensed insurance brokers are subject to strict federal regulations regarding how it can advertise and communicate about Medicare plans. Always work with a trusted broker, ask for a license number and be on guard against predatory or suspicious sales language. Our goal is simply to match you with a Medicare plan that works best for you.

Melissa Hanes //

I was born in Oklahoma and raised in Neosho, MO. My husband (Derek) and I have 6 children and 6 sweet grandchildren who we adore. It wasn’t until 2009 when I moved back to Oklahoma that I started my insurance career and developed a passion for educating seniors on their rights and options regarding Medicare. Over the last decade I’ve been helping this under served population by empowering them to make the best insurance decisions for their individual healthcare needs.

In 2019 I resigned my position as Sales Manager for one of the nation’s largest Medicare insurance carriers to join the amazing team at OKMedicareHelp. I provided support, training and mentorship to hundreds of independent insurance agents around the state of Oklahoma and gave them the tools they needed to make the right impact for Medicare beneficiaries. The experience I gained in my previous role gave me a unique look at how to help navigate the complexities of Medicare for both Medicare beneficiaries and agents alike.

I pride myself on operating with the highest integrity and having a heart to serve our local senior community. I would be honored to help you navigate the complexities of Medicare and be of service for all your insurance needs.

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