Every year from October 15 to December 7, Medicare open enrollment gives seniors a chance to review and change their health or prescription drug plans. Unfortunately, it’s also prime time for scammers pretending to be Medicare representatives.
Here’s how the scam works: you might get a call, text, email, or even an in-person visit from someone claiming to represent Medicare or an insurance company. They might sound official, know your name, and even show a fake ID. Their goal? To get your Medicare, Social Security, or banking information.
You’ll often hear scare tactics like “act now or lose your benefits” or be tempted with fake “free gifts” and “limited-time savings.” But here’s the truth: Medicare will never call or text you first, and there are no special bonuses for signing up early.
What to do:
- Never share personal or financial information with anyone who contacts you unexpectedly.
- Ignore pressure tactics — you have until December 7 to make your decision.
- Visit medicare.gov or call 800-633-4227 (800-MEDICARE) for legitimate help.
- Contact your State Health Insurance Assistance Program (SHIP) or Senior Medicare Patrol if you suspect fraud.
Stay smart this season and remind family members to do the same. Scammers count on confusion; the best defense is awareness.
