(BPT) - Every year, many seniors are targeted by scammers who want to steal their Medicare numbers to do things like rack up fake health care charges and commit identity theft. These scams hurt seniors and other people eligible for Medicare, cost taxpayers money, and result in higher health care costs for everyone. The good news is that you can protect yourself from fraud and help Medicare stop scammers in their tracks.
How to Spot Medicare Fraud
The first step in protecting yourself from Medicare fraud is knowing how to spot it. Over time, scammers have become very sophisticated and advanced. One of the latest scams you should look out for concerns genetic testing. Scammers are offering “free” genetic tests and claiming Medicare will cover it — so they can get your Medicare number and use it to commit fraud and identity theft. Other Medicare scams include offers for free or reduced-price medical equipment, consultations, or health services. These scams can happen anywhere, including through telemarketing calls, health fairs, and even knocking on doors.
Last year, the Centers for Medicare & Medicaid Services (CMS) removed Social Security numbers from all Medicare cards. Even with this change, people with Medicare should still guard their Medicare card and treat it like a credit card, check Medicare claims summary forms for errors, and be wary of any unsolicited requests for your Medicare number. Medicare will never call beneficiaries to ask for or check Medicare numbers.
To protect yourself from Medicare fraud, keep these things to “do” and “don’t do” in mind:
Reporting Medicare Fraud
If you think you may have spotted fraud, you should report it right away. No matter how minimal the information you share is, it could be the missing piece to stopping the next fraud scheme. If you are a victim of fraud, know that you won’t be penalized or lose your coverage for reporting it. Even if you are not a victim, it’s important to report any fraud scams you encounter to Medicare. Report suspected fraud by calling 1-800-MEDICARE or online through the Office of the Inspector General.
Information provided by the U.S. Department of Health & Human Services.
(BPT) - If you’re turning 65 in 2017 or 2018, you’re one of 10,000 people who become Medicare-eligible each day. Choosing Medicare prescription drug coverage can be confusing, especially for the first time. You may have questions about which plan fits your healthcare needs and budget or how to enroll. The good news is, it doesn’t have to be overwhelming if you know these four rules.
Rule #1: Lower premium plans may mean higher costs. Plans with a lower premium may end up costing more in the long run if they have higher drug copays, which can really add up.
Rule #2: Not every plan covers every drug. Drug lists (formularies) can change every year and so can the drugs you take. Be sure to check your plan’s formulary each year to make sure any medications you take are covered.
Rule #3: Check that there are pharmacies close to you. That way, it’s easier to fill your prescriptions. Select a plan with a wide range of “preferred” pharmacies, which typically offer lower co-pays than standard pharmacies in the network. Also, see if using a home delivery pharmacy or a 90-day supply could lower your costs even more.
Rule #4: Look for 24/7 access to pharmacists and Medicare experts who can answer questions about your medicines and offer drug safety tips, money-saving alternatives and expertise in drugs to treat specific conditions.
Also, remember to check the Medicare Part D plan’s Star Rating. This is the overall quality and performance rating (out of 5 stars) based on member satisfaction surveys and other measures by The Centers for Medicare & Medicaid Services (CMS).
For more information, please visit www.Medicare.gov or www.RoadmapForMedicare.com. To talk to an Express Scripts Medicare adviser, call 1.866.544.3794, 8 a.m. to 8 p.m., 7 days a week (TTY users: 1.800.716.3231).
Every day, Medicare fraud affects people with Medicare and their families across the U.S. – regardless of background – robbing them of hard-earned money and peace of mind. By remembering some simple but effective tips, you can protect yourself against scams, including identity theft and prescription drug fraud.
3 Steps to Protect Yourself from Medicare Fraud
Scammers know the ins and outs of the Medicare system and their attempts can be well thought-out enough that it’s not always easy to know when and where fraud is occurring. By remembering some simple but effective tips, you can protect yourself against scams, including identity theft and prescription drug fraud. Remembering to protect, detect and report fraud helps everyone, including you.
Protecting your personal information is your best line of defense against health care fraud. Treat Medicare, Medicaid and Social Security numbers like credit card numbers. Never give them to a stranger and don’t carry your cards unless you need them for appointments. Medicare doesn’t call or visit to sell you anything. Outside of a trusted health care setting, never give this information to anyone who asks for it.
No matter how careful you are, you may be targeted for fraud. Always review your Medicare statements closely. Things to look for include charges for something you didn’t purchase or receive, duplicate charges and charges for services not ordered by your doctor. Compare these documents to your personal records and receipts. Recording medical visits and procedures in a journal or on a calendar can help you keep track of what happened at each appointment and make it easier to spot inaccuracies.
If you suspect you’ve been a target of fraud, report it. This can help you and others at risk for fraud. If you have questions about your Medicare statements, call your health care provider.
If you’re uncomfortable calling or are not satisfied with the response, help is available through your local Senior Medicare Patrol (SMP). SMP volunteers work with Medicare beneficiaries and their families and caregivers to stop health care fraud, errors and abuse. You can also report suspicious calls and direct general questions through this resource. You can find your local SMP program by calling 1-877-808-2468 or at SMPresource.org.
Suspected fraud can also be reported to 1-800-Medicare or by calling 1-800-HHS-TIPS.
Don’t hesitate if you need help
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Administration for Community Living
As autumn progresses, it’s important to keep your health in mind. Maybe you have a new prescription that is not covered by your current drug plan or you have a new health condition. To ensure you get the most from Medicare in 2017, you should research your Medicare plan options during Medicare open enrollment.
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