Medicare Open Enrollment runs from October 15 to December 7 each year and gives current beneficiaries and new enrollees the chance to make changes to their healthcare plans. Unfortunately, it also serves as a prime opportunity for scammers, who target seniors with schemes designed to steal their sensitive information or money. In 2021 alone, older adults lost $121 million to scammers claiming to be from a government organization like Medicare. Understanding some of the common scams—and how to avoid them—can help you make informed decisions safely.
Impersonating Medicare Representatives
Scammers pretending to be from Medicare might call, email, or visit, claiming you need to renew your benefits or replace your Medicare card. They often ask for personal information like your Medicare number or Social Security details.
How to Spot It: Medicare never calls or visits uninvited. Official communication usually comes through the mail. If you’re unsure, call the number on your Medicare card and ask them to confirm the information of the person claiming to be a representative.
Phishing Emails and Texts
These messages can look very legitimate, with official-looking logos and urgent requests to “update your information” by clicking a link, but these links often lead to fake websites designed to steal personal data.
How to Spot It: Look for spelling errors, unfamiliar sender addresses, and requests for immediate action. You can also hover over a link (without clicking on it) to see what the website is and if it’s directing you to your plan or another website. When in doubt, call the number on your Medicare card.
“Free” Medical Services or Products
Fraudsters might offer medical supplies or health services at no cost, requiring only your Medicare or bank details for “processing.”
How to Spot It: Legitimate offers for free medical products or services will not require you to provide your Medicare number, Social Security number, or banking details. Always verify offers with Medicare or your healthcare provider
Fake Plan Discounts or Enrollment Offers
Scammers might promote seemingly “great deals” on prescription drug plans or claim you’re eligible for exclusive discounts—if you pay an upfront fee or provide your Medicare number.
How to Spot It: Genuine Medicare plans are listed on www.Medicare.gov. Discounts or fees should always be verified with an official source.
High-Pressure Tactics
Some scams rely on urgency, insisting you act immediately to avoid losing coverage or missing an enrollment deadline.
How to Spot It: Medicare provides clear timelines and options without rushing decisions. Legitimate representatives will give you time to consider your choices.
How to Protect Yourself
1. Treat your Medicare card like a credit card – share it only with trusted healthcare providers or official representatives.
2. If you are contacted unexpectedly, do not provide personal information. Instead, call Medicare directly at 1-800-MEDICARE to verify the legitimacy of communication.
3. Avoid clicking links in emails. Instead,access Medicare information directly at Medicare.gov. Delete unsolicited emails or texts claiming to be from Medicare.
4. Use trusted resources and only rely on official sources such as Medicare.gov or your local State Health Insurance Assistance Programs (SHIP) for assistance with enrollment.
5. Be wary of “free” offers and be cautious of anyone asking for your Medicare number in exchange for “free” services. Legitimate offers don’t require this.
If you suspect a scam, it’s important to take immediate action. First, end communication with the potential scammer – hang up on suspicious calls, delete unsolicited emails, and avoid clicking on any links. Next, report the incident to the Federal Trade Commission (FTC) or Medicare at 1-800-MEDICARE. Be sure to monitor your Medicare statements regularly and look for any unauthorized chargers or suspicious activity so you can report any discrepancies immediately.
Navigating Medicare Open Enrollment doesn’t have to be stressful or risky. Understanding common scams, recognizing red flags, and using trusted resources can safeguard your personal and financial well-being. For additional information on Medicare Open Enrollment, visit Medicare.gov or contact your local SHIP.
Katrin Werner-Perez serves as the Alliance’s Health Programs Manager.
