FTC SCAM ALERT: Beware Scammers Targeting Medicare Consumers During Open Enrollment Period

legitimate Medicare cards are mailed automatically and free of charge

(FTC) – As Medicare’s Open Enrollment Period approaches, the Federal Trade Commission is warning consumers to stay vigilant against a growing wave of scams aimed at stealing personal and financial information.

Each year, between October 15 and December 7, fraudsters become increasingly active, taking advantage of seniors as they review their health and prescription coverage options.

Scammers often pose as Medicare representatives, reaching out unexpectedly by phone, email, or text message. They may sound professional and even claim to know some personal details, stating that a “new” or “updated” Medicare card is required.

They then ask for Medicare, bank account, or credit card numbers. However, legitimate Medicare cards are mailed automatically and free of charge. Real Medicare staff will never contact individuals out of the blue to request payment or sensitive information.

Officials advise that unexpected calls demanding personal or Medicare information should always be ignored. Medicare will only verify information if a person initiates contact first. Consumers are also cautioned not to trust caller ID, as scammers can manipulate it to display Medicare’s name or phone number.

Anyone who receives a suspicious call should hang up and call Medicare directly at 1-800-MEDICARE (1-800-633-4227).

To make informed choices about coverage, individuals are encouraged to use trusted sources such as Medicare.gov, the official U.S. government site for Medicare, or contact their State Health Insurance Assistance Program (SHIP) for free, unbiased help comparing plans and costs.

Victims or witnesses of suspected scams should report Medicare impersonators to 1-800-MEDICARE and file a complaint with the Federal Trade Commission at ReportFraud.ftc.gov.

Those seeking further guidance in preventing, detecting, and reporting Medicare-related fraud, errors, or abuse can also reach out to their local Senior Medicare Patrol for assistance.

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