How This Medicare Advantage Scam Works
Each year, especially during the Annual Enrollment Period (AEP), some Medicare beneficiaries fall victim to a scam that starts with an innocent-sounding phone call.
The Setup
You do the right thing:
You go online or call Medicare to enroll in a standalone Medicare Part D prescription drug plan.
A week later, you get a call from someone claiming to be from your insurance company.
They offer enticing upgrades, like:
Lower premiums
Better coverage
Free dental insurance
Gym memberships
The Hook
Once you show interest, the caller says:
“Let’s see if you qualify” or “Let me confirm your information.”
They ask for your:
Full name and spelling
Address
Medicare number
You believe they’re simply verifying your Part D details — but that’s not what’s happening.
The Switch
While you’re answering questions, they’re filling out a Medicare Advantage plan application in your name. A day or two later, you get an email thanking you for applying for a Medicare Advantage plan — one you never knowingly chose.
How to Protect Yourself
Only discuss your Medicare coverage with trusted, licensed agents you know personally.
Be cautious of unsolicited calls offering “better” coverage.
Never give out your Medicare number unless you’re certain of who’s on the line.
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For more Medicare tips and scam alerts, see: