Yesterday I didn’t hesitate to answer the phone identified as out of state, but rather than being greeted by a professional tone of inquiry of our services, I was greeted by a robotic voice stating that their call was of great urgency – my Medicare advantage plan was in great danger of cancelling without pressing 1 to talk to a live representative.
Thankfully, as a professional working with seniors I quickly recognized the scam (I’m not quite old enough for Medicare so it’d didn’t take that much effort) and decided to take advantage of my experience to reach out to one of our preferred vendors, Battle Born Financial and request him to share some nuggets for this weeks Community Care Corner as we are in open enrollment season – I always appreciate my conversations with Brent Leavitt.
As Medicare’s Annual Enrollment Period (AEP) unfolds, seniors across the country are bombarded with calls, mailers, and online ads promising “better” benefits or “free” upgrades. While some offers are legitimate, many are not. As a financial advisor who works closely with seniors, I’ve seen firsthand how overwhelming and confusing this time can be.
One of the most important things seniors need to know is this: never give your Medicare number over the phone to someone you don’t know. Scammers often pose as representatives from Medicare or insurance companies, claiming they need your information to “update your plan” or offer you additional, new to you, benefits. Realistically, they may be switching your plan without your consent—potentially stripping away the coverage you rely on.
The truth, most seniors already have access to the benefits they’re being told they’re missing. Many Medicare Advantage plans include dental, vision, hearing, and prescription drug coverage. Some benefits, like transportation or over-the-counter allowances, may sound appealing but are often tied to specific income levels or chronic health conditions. If you don’t meet those criteria, you may not qualify—even if the plan advertises them.
Before making any changes, it’s crucial to review your current plan and compare it with others based on your doctors, prescriptions, and personal health needs. For example, some plans may not include your preferred specialists or may require you to switch pharmacies. Others may offer higher dental benefits but limit your provider network. If you’re unsure where to start, work with a licensed local advisor who understands your community and your needs. Talk to them, check in, and make sure your plan meets your needs. We are free to use and your advocate even after open enrollment.
Remember: your Medicare number is like a credit card—protect it. And if something sounds too good to be true, it probably is.
