Ah, Medicare Open Enrollment: a time when seniors across the nation gather ‘round their paperwork and computers to make crucial health coverage decisions. Unfortunately, it’s also a time when scam artists emerge from their dark lairs, ready to pounce on unsuspecting victims. But fear not, dear reader! We’re here to help you spot the scammers and keep your hard-earned money where it belongs—in your wallet.

Scam Alert: The Impersonation Game

First things first, these scammers are the masters of disguise. They’ll impersonate Medicare representatives and reach out to you unexpectedly. Think of them as the James Bonds of the scamming world, but without the charm or good looks. They may claim you need a “new” or “updated” Medicare card, and they’ll ask for your Medicare, bank account, or credit card number.

Here’s the kicker: real Medicare cards are as free as the air you breathe, and you’ll never get a call out of the blue asking for your personal info. Legit Medicare reps won’t try to sell you anything or request payment for your card. Only scammers do that, and we don’t want to entertain those shifty folks.

How to Outsmart the Scammers

  • Ignore the Unexpected: If you get a call from someone demanding your Medicare, personal, or financial information, hang up faster than you can say “fraud.” Medicare will only ask you to verify information if you contact them first.

  • Caller ID Can Lie: Just because your caller ID says “Medicare” doesn’t mean it’s legit. Remember, caller IDs can be faked. If in doubt, hang up and call the official number: 1-800-MEDICARE (1-800-633-4227).

  • Seek Legit Help: Need help comparing costs, coverage, and plans? Contact your State Health Insurance Assistance Program (SHIP) for unbiased assistance. Or visit Medicare.gov, the official U.S. government site for Medicare, or call 1-800-MEDICARE.

  • Report the Rascals: If you encounter a Medicare impersonator, report them at 1-800-MEDICARE. Then, do the good deed of reporting to the FTC at ReportFraud.ftc.gov.

For extra protection, reach out to your local Senior Medicare Patrol for help in preventing, detecting, and reporting potential fraud, errors, and abuse. Together, we can make the world a little safer from scammers and a lot friendlier for your wallet.

Stay vigilant, stay informed, and may your Medicare decisions be as sound as your scam-dodging skills!

Original article URL: Federal Trade Commission

Original article: https://consumer.ftc.gov/consumer-alerts/2025/09/medicare-open-enrollment-season-learn-how-protect-yourself-scams