Fraudsters especially love to impersonate representatives from Medicare, targeting older adults and others who qualify for the federal program with unexpected calls. As the Federal Trade Commission warns, scammers may have some of your personal information already and will ask you to confirm your Medicare, bank account, and/or credit card number under the guise of sending you a new Medicare card. In reality, Medicare cards are free and sent automatically, so you should never need to provide payment.
In addition to impersonating government officials, bad actors will pretend to represent a legitimate insurer, promising discounted plans (that are available only for a limited time) or enrollment assistance (for a fee). Plans that seem too good to be true probably aren't health insurance at all and may not provide the coverage promised. And you shouldn't have to pay anyone to sign up for a plan.
Bad actors can pretty easily spoof phone numbers (so it looks like you're getting a call from a reputable insurance provider like Medicare or Blue Cross Blue Shield) as well as set up phishing websites designed to steal your credentials and financial information.
Insurance scam red flags
Don't share any data, including your social security number, bank account number, or medical history with anyone—that is, unless you have contacted the Medicare office or other legitimate agency directly and first and need to verify your identity. (The number for Medicare is 1-800-MEDICARE, and you can reach a Marketplace representative through HealthCare.gov).
Always verify a representative's identity using official contact information found on a .gov website, legitimate company page, or an account statement, and never send money via gift card, prepaid debit, or crytocurrency in exchange for anything. You should also ensure your credentials for your insurance accounts (like HealthCare.gov and Medicare.gov) are strong and secure, and enable multi-factor authentication wherever possible.
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