Key Takeaways:

• Medicare fraud is more common than you might think, costing billions of dollars each year and potentially putting your benefits at risk. Understanding how scammers operate can help you stay protected.

• Staying vigilant, reviewing your Medicare statements, and knowing who to report suspicious activity to are crucial steps in keeping your Medicare benefits secure.

The Hidden Threat: How Medicare Fraud Affects You

Medicare fraud isn’t just a distant issue affecting government funds—it’s something that can impact your benefits, your finances, and even your healthcare access. Every year, scammers find new ways to exploit Medicare, targeting seniors who may not be aware of the latest schemes. In 2025, with technology making it easier for fraudsters to operate, staying informed is your best defense.

1. Medicare Fraud Costs Billions Annually

The financial toll of Medicare fraud is staggering. Each year, fraudulent claims drain billions from Medicare, leading to higher costs for taxpayers and potential cuts to legitimate benefits. Scammers bill Medicare for services that were never provided, charge for unnecessary procedures, or even steal your Medicare number to commit identity theft.

The government is cracking down on fraud, but the best way to protect yourself is to stay alert and understand how these schemes work.

2. Your Medicare Number is as Valuable as a Credit Card

Many people treat their Medicare number casually, but in reality, it’s just as valuable as your Social Security number or credit card information. Scammers can use it to submit false claims, get medical services in your name, or sell it on the black market.

To protect yourself:

• Never share your Medicare number unless you’re sure you’re dealing with a trusted provider.

• Be skeptical of phone calls or emails asking for your Medicare number.

• Store your Medicare card securely and report any lost or stolen cards immediately.

3. Scammers Love Open Enrollment Season

Medicare Open Enrollment, which runs from October 15 to December 7 every year, is a prime time for scammers. During this period, fraudsters pose as Medicare representatives, insurance agents, or even government officials, attempting to trick you into providing personal information.

Common scams include:

• Calls or emails claiming you must “confirm” your Medicare details to keep your coverage.

• Fake offers for discounted or “exclusive” Medicare plans.

• Bogus enrollment assistance that requires upfront payments.

Always verify any changes directly with Medicare or a licensed agent listed on this website before sharing any information.

4. Free Medical Equipment Offers Can Be a Trap

If you receive a call or message promising free medical equipment—such as back braces, wheelchairs, or diabetes supplies—be extremely cautious. Many of these so-called “free” offers are scams, where fraudsters bill Medicare for expensive equipment in your name.

Once a claim is submitted under your Medicare number, you may be denied coverage for actual medical supplies you need in the future. If someone offers you free medical equipment, check with your doctor or Medicare directly before accepting anything.

5. Phantom Billing is a Growing Problem

Scammers often submit Medicare claims for services or treatments you never received. This is called phantom billing, and it can go unnoticed unless you regularly review your Medicare Summary Notice (MSN) or Explanation of Benefits (EOB).

Here’s how to stay ahead:

• Always review your statements for charges you don’t recognize.

• Compare doctor visits with your medical records.

• Report suspicious charges immediately to Medicare at 1-800-MEDICARE.

6. Telemedicine Fraud is on the Rise

Telehealth services have become more popular, but they’ve also become a new target for fraud. Scammers may contact you claiming to be from a telemedicine provider, offering consultations or prescriptions you never requested.

Warning signs of telemedicine fraud:

• You’re billed for virtual visits you never had.

• You’re prescribed medications you didn’t discuss with your doctor.

• You’re asked for payment details over the phone or email.

If you suspect telemedicine fraud, report it to Medicare immediately.

7. COVID-19 Scams Haven’t Disappeared

While the height of the pandemic has passed, scammers continue to exploit health concerns by offering fake COVID-19 tests, vaccines, or treatments in exchange for Medicare information. In 2025, fraudsters are still targeting seniors with these tactics.

Stay safe by:

• Only accepting medical services from trusted healthcare providers.

• Ignoring unsolicited calls, emails, or texts offering pandemic-related services.

• Reporting any suspicious activity to Medicare or the Federal Trade Commission (FTC).

8. Fraud Can Lead to Losing Your Medicare Benefits

If your Medicare number is used for fraudulent claims, it can have serious consequences. In some cases, beneficiaries have faced coverage denials for legitimate services because their Medicare records show duplicate claims or excessive use of benefits.

To avoid this:

• Regularly check your Medicare statements.

• Report errors as soon as you spot them.

• Keep records of your medical appointments and services received.

Protecting Yourself From Medicare Scams in 2025

Now more than ever, staying informed is your best defense against Medicare fraud. Fraudsters are constantly evolving their tactics, but by being aware of the most common scams, you can take steps to safeguard your personal information and benefits.

How to Report Medicare Fraud

If you suspect Medicare fraud, you should report it right away. Here’s how:

• Call Medicare directly at 1-800-MEDICARE (1-800-633-4227).

• Contact the Senior Medicare Patrol (SMP) in your state for additional support.

• Report identity theft to the Federal Trade Commission at IdentityTheft.gov.

• If a provider is involved in fraudulent billing, you can report them to the Office of Inspector General.

Stay One Step Ahead of Scammers

Medicare fraud can happen to anyone, but being proactive about protecting your information can make all the difference. By keeping an eye on your statements, being cautious with your Medicare number, and reporting suspicious activity, you can help keep your benefits secure.

If you need help verifying your Medicare coverage or have concerns about potential scams, reach out to a licensed agent listed on this website for guidance.