Medicare scams are an unpleasant reality, and they typically reach a fever pitch during the annual open enrollment window. During this window, 54 million Medicare patients have the opportunity to change their Medicare Advantage (Part C) and Medicare Part D prescription drug plans. This gives shysters and con-artists the opportunity to fleece patients and the government for millions of dollars in annual Medicare fraud. If you’re currently under a Medicare policy, don’t worry. We’re sharing the best tips and tricks so you know how to avoid Medicare scams.

Avoiding Medicare Scams: Key Takeaways

  • Medicare fraud is most likely to occur during the annual open enrollment period.
  • You should never give out your Medicare number to anyone who is not employed by your insurer or your medical provider.
  • Medicare will never solicit your business by offering you products through the mail, phone, or email.
  • Avoid Medicare scams by declining offers for special discounts or free prizes.
  • Plan-switching is never mandatory, so be wary of anyone telling you that it is a requirement.

Scammers employ everything from television commercials to fake but official-looking mailed documents in order to capitalize on the confusion that surrounds Medicare’s vast number of plans and plan options.

Protecting yourself from scams and dishonest people involves two key steps.

  1. Never give out your Medicare number. Treat it just as you would your bank account information or your Social Security number. Do not, under any circumstances, give it to anyone who is not employed by Medicare, your doctor’s office, or your hospital.
  2. Remember that Medicare will never solicit your business by offering you products through the mail, phone, or email. If you receive a phone call, email, or brochure that is trying to sell you Medicare services, or that asks you to sign up for a service and provide your Medicare number, you can be sure that you’re dealing with a scammer. It’s also worth noting that licensed insurance agents are acting illegally if they attempt to sell or endorse a Medicare product over the phone or by visiting your home.

Five Categories of Medicare Scams

Most Medicare fraud cases fall under five broad categories. To help you avoid Medicare scams, we’ve compiled a list of tips that’ll help you spot a scam easily and protect yourself.

Mandatory plan switching

Some scammers will tell you that open enrollment isn’t simply an opportunity to change your Part C or Part D plans for the better, but instead is a requirement. This is false. While it is usually in your best interest to shop around for new plans at lower prices every year, you are not required to do so. You can always keep your current plan. As mentioned earlier, never give someone your Medicare number, particularly if they tell you that switching is a must.

Medicare card changes

Another common Medicare scam involves supposed Medicare card changes. Criminals may tell you that Medicare is updating its membership cards. In order to get one of the new (fake) cards, they will ask you to update your information via an online form, an email, or possibly a written form delivered in person. Medicare will never ask you for your personal information in this manner. You can always confirm whether or not Medicare is actually changing cards by calling the agency directly at 1-800-633-4227.

Special prices

Scammers often employ high-pressure sales pitches during Medicare open enrollment periods. They tell victims that early bird discounts are available for a limited time, when in fact they are either phishing for your personal information or trying to sign you up for a plan that costs more than your current plan. Always confirm that a proposed new plan is legitimate by using the plan finder at the official Medicare website or calling the phone number listed in the previous paragraph.

Raffle and prize scams

Some healthcare fair vendors may try to obtain your personal information by advertising free gifts. Do not under any circumstances provide your information to enter a prize drawing or contest. To avoid these types of scams, remember to always protect your Medicare number.

Fake organizations

You may receive calls or emails from criminals who have obtained portions of your medical information. They typically try to lure you into sharing your Medicare number, ostensibly so that they can provide you with better care than you are currently receiving. Again, always check with your doctor’s office or hospital before providing any of your personal information to someone you don’t know. Checking in with your medical provider is one of the easiest ways to avoid Medicare scams.

by Lindsay Malzone, Lindsay Malzone is the Medicare expert for She's been contributing to many well-known publications as an industry expert since 2017. Her passion is educating Medicare beneficiaries on all their supplemental Medicare options so they can make an informed decision on their healthcare coverage.