Beware of Medicare and Healthcare.gov Scams
The Better Business Bureau has issued a warning about scams related to Medicare and the open enrollment period for Healthcare.gov.
This scam often includes unsolicited phone calls or messages that assert they can help you find the best deal on insurance.
For your information, Medicare open enrollment lasts until December 7th. Medicare Advantage open enrollment is available from January 1 to March 31, or within three months after receiving Medicare.
As for Healthcare.gov, open enrollment continues until December 15th for coverage starting January 1. You will have until January 15th to enroll for insurance that takes effect on February 1.
How to Spot Open Enrollment Scams
The BBB highlights some key warning signs to watch out for.
Unsolicited Contacts. Be cautious of individuals who reach out to you unexpectedly. While Healthcare.gov and Medicare provide genuine support for finding the right plan, they don’t initiate contact. These representatives, often referred to as navigators or assistants, should not charge for their services. If someone asks for payment, it’s likely a scam. You should reach out to them first.
Free Gifts and Health Checks. Maintain a healthy skepticism, especially if a broker offers free gifts or special promotions. Never agree to anything that requires providing your Medicare ID or other personal details in exchange for expensive signup incentives. Some brokers may offer free “health checks” to pick and choose healthier individuals. This is known as “cherry picking” and is against Medicare rules.
Keep Your Information Secure. Always be cautious about sharing your Medicare ID, Social Security number, health details, or banking info with people you don’t know.
Go to Official Websites. If you’re considering a change in your health plan, navigate directly to Medicare.gov, Healthcare.gov, or check with your employer’s health insurance provider. Avoid clicking on links in messages that seem suspicious.
Contact Your Employer for Clarity. If you receive an unexpected email about benefits, it’s best to reach out to your employer to confirm the information is legitimate before taking any action.
What to Do if You Receive a Phone Call
If you’re unsure whether a call or offer is legitimate or if you divulged personal information to someone posing as Medicare, you should call 1-800-MEDICARE to report it. For concerns about potential fraud related to ACA insurance enrollment, head to HealthCare.gov or contact the Health Insurance Marketplace Call Center at 800-318-2596.
