Older Americans on Medicare have become the focus of criminals. According to government officials, they are now utilizing various fraud schemes associated with the coronavirus pandemic. The common goal of these criminals is to get an older person's money or Medicare number. In recent months, the Department of Health and Human Services Office of Inspector General has received over 1,400 fraud complaints associated with Covid-19. The office also acknowledges that many frauds often go unreported. This is because the victims are too embarrassed or they may not know how or where to report what happened to them.
Avoid Getting Ripped Off
There are two things older Americans need to remember to avoid being ripped off.
*Medicare does not contact its clients and ask them for their Medicare number. It already has their Medicare number. They won't ask for any other sensitive information like a credit card number.
*Medicare won't contact a client out of the blue with a social media post, text message, phone call, or email. Any unsolicited communications from Medicare is a sign of a scammer.
Script By Phone
It is recommended for individuals to have a script near their phone. This is an important tool that can be used to shut down scammers. It could be a simple statement that a person doesn’t give out their personal information to any type of unsolicited call. Should the caller claim to be from a doctor's office, a person should contact their doctor's office with a phone number they know is real.
Older Americans need to realize that Medicare works in many ways like a private-sector insurer. It will commonly contact its clients by mail. If a person has not initiated contact with a Medicare representative, they should realize that getting a random phone call from Medicare just won't happen. If anyone believes they are experiencing Medicare fraud involving Covid-19 they can report it online. They can also call 800-447-8477.
Data that someone can use to identify a person is known as Personally Identifiable Information (PII). This includes such things as email addresses, Social Security numbers, financial account numbers, driver's license numbers, and more. One of the most effective ways to avoid being scammed when contacted by a person claiming to be from Medicare is to hang up on them.
There are various scams associated with Covid-19 that focus on older Americans.
*Facebook Accounts – Older Americans are having their Facebook accounts hijacked. When this is done, another person will pose as someone who has received an HHS grant because of the Covid-19 pandemic. The amounts could be up to $15,000. The HHS does issue grants but only to researchers.
*Scammers have contacted older Americans and told them they are eligible for a Covid-19 Wellness Kit. It would have face masks, hand sanitizer, and more. Some were promised a Covid-19 test kit they could use in their home. Others were offered additional Medicare coverage. All of these items came with a price and nothing was delivered.
*Scammers have gone to the home of older Americans and administered Covid-19 tests that are fake. Some have also had fake drive-through test sites. There have also been fake cures and treatments provided.
*Scammers have called and posed as hospital or medical employees. They then tell older Americans their doctor wants to test them for Covid-19. These scammers will claim to be setting up an appointment that is fake and will require a copay be given in advance by credit card.
Older Americans should be suspicious of any unexpected visitors or callers. They should never respond to a text message about Covid-19 or open any hyperlinks. On social media, any sites that provide offers or ads about Covid-19 testing should be ignored. Ignore anyone pretending to be a Covid-19 contract tracer. Real contact tracers never request a person's financial information or Medicare number. Following these suggestions is a big step toward avoiding being scammed by a criminal.