To speak with a licensed agent, call 877-310-4385 (TTY 711 M-SU, 8am-8pm) or email esther@grachanagency.com

Watch Out for These Common Medicare Scams

Posted by Esther Grachan
Estimated Reading Time 1 minute 22 seconds

Watch Out for These Common Medicare Scams

Enrolling in Medicare can be complicated enough. Unfortunately, scammers and unethical brokers sometimes make the process even more difficult. Watch out for these common signs of a Medicare scam, not just during enrollment season but all year long.

“Medicare representatives.” Medicare does not employ representatives who will reach out to you, attempting to sell you a plan. Yes, plans called Medicare Advantage are available through private insurance companies, but you will learn about those through a licensed insurance broker.

Fear-based tactics. No, you never have to enroll in, or purchase, any type of plan to “avoid losing your benefits.” This is a common tactic used to incite fear and prompt you to act quickly without examining the seller. If you don’t choose a new plan during the enrollment season, you will simply be re-enrolled into your current plan. And you never have to enroll in a Part D (prescription) plan to avoid losing other benefits.

Fake refund offers. Medicare will never contact you to inquire about your Medicare ID number, birth date, bank account number, or other sensitive information. This is especially true with “refund” or “rebate” offers. If you overpay for some reason, your plan administrator would contact you by mail.

“Extra benefits.” Anyone who contacts you, offering tempting “extra benefits” could be a scam artist. Always check for a broker’s license number before discussing your Medicare plan with them but be aware that unethical licensed brokers do exist as well. Never provide your Medicare ID number over the phone. This is often a trick used to enroll you in a different plan without your being aware.

Licensed insurance brokers are subject to strict federal regulations regarding how it can advertise and communicate about Medicare plans. Always work with a trusted broker, ask for a license number and be on guard against predatory or suspicious sales language. Our goal is simply to match you with a Medicare plan that works best for you.

Esther Grachan
Esther Grachan // esther@grachanagency.com

I am a local, licensed and trained independent insurance agent. I am certified with many top Medicare Advantage, Prescription Drug and Medicare Supplement insurance plan carriers. I represent most major companies with a Medicare contract and am qualified to answer any questions you may have.

Get Free Medicare Assistance

Friendly, licensed professionals are available to answer all of your questions. Call 877-310-4385 or complete the form below and we’d be happy to reach out to you.







      By submitting this information, you acknowledge a licensed insurance agent, Esther Grachan, may contact you by phone, email, or mail to discuss Medicare Advantage Plans, Medicare Supplement Insurance, or Prescription Drug Plans.

      Close Accessibility Tools
      Accessibility Controls Reset
      Content Adjustments
      Font Size

      Default

      Line Height

      Default

      Content Scaling

      Default

      Highlight Titles
      Highlight Links
      Highlight Forms
      Align Left
      Align Center
      Align Right
      Focus Mode
      Color Adjustments
      Desaturate
      Monochrome
      Contrast

      Default

      Saturation

      Default

      Accessibility Statement

      Despite our attempts to make this website accessible for everyone, there may still be some pages or sections that are not completely accessible, are in the process of becoming accessible, or do not have a suitable technological solution to make them accessible. Nevertheless, we are always striving to enhance our accessibility by adding, updating, improving its options and features, and incorporating new technologies.

      We want to provide our users with the best experience possible, so we strive to support as many browsers and assistive technologies as possible.

      If you wish to contact this website's owner, please use the contact form on the website.

      Our User Interface Adjustment Options

      Font adjustments - With this tool, users can modify font size, style, letter spacing, and line height for improved alignment and readability.

      Color adjustments - Users can customize their color contrast profiles to light, dark, desaturated, and monochrome.

      Content highlighting - Users can prioritize key elements such as links, forms, and titles.

      Content focus - Users can enable focus mode to highlight the current page information based on their mouse movement.

      Close