Senior MEdicare Patrol
In 2010, we partnered with the Utah Department of Aging Senior Medicare Patrol (SMP) program in Salt Lake City. Our purpose is to focus on prevention, with a mission of empowering Medicare beneficiaries, their families, and caregivers to prevent, detect, and report health care fraud and identity theft, errors, and abuse through outreach and education.
The SMP is a national program for people with Medicare of all ages. SMP is administered by the Administration for Community Living. To learn more, volunteer or to locate your local Senior Medicare Patrol please call 1-877-808-2468 or visit https://www.smpresource.org
Know your rights during Medicare Open Enrollment
November 4, 2020 (The Senior Medicare Patrol National Resource Center)
During Medicare’s Open Enrollment Period (OEP), which ends December 7, Medicare beneficiaries can choose the plans that are best for them. You can get help comparing Medicare plans from the State Health Insurance Assistance Programs (SHIPs) that are in all U.S. states and territories. It’s also good to understand what sellers are — and aren’t — allowed to do, so you’ll be prepared if an insurance agent or representative tries to enroll you in a Medicare plan that isn’t right for you.
There are limits on how Medicare plans can contact beneficiaries. Medicare plans:
- Can’t call you if you don’t have a relationship with their company.
- Can’t send you email if you haven’t agreed to this form of contact.
- Can’t come to your home to sell Medicare products without an invitation.
- Can’t leave flyers, door hangers, or leaflets on your car or at your home. However, agents and brokers who have a scheduled appointment with you may leave plan information at your residence if you don’t show up for the appointment.
When you meet or talk with an agent, they:
- Can’t start a discussion about other insurance products, like life insurance annuities, if your meeting is about Medicare Part C or Part D.
- Can’t set their own time limits for you to sign up for a plan. You have until December 7 to enroll, and you can’t get any extra benefits for signing up early.
- Can’t threaten to take away your benefits if you don’t sign up for a plan or offer gifts if you do.
- Can’t suggest that Medicare endorses or prefers their plan.
- Can’t discuss Medicare products you didn’t ask to talk about when you filled out a scope of appointment form.
Once you’ve picked the plan that’s right for you, be sure you get all the details in writing before signing up. Take your time to read all information and verify details. For example, reach out to your doctors to ensure they are in that plan’s network.
If a scammer calls
Scammers might call and pretend to be Medicare representatives or agents in an attempt to steal your Medicare number. They can use fake caller identification to impersonate Medicare or another organization you know, so don’t trust the name displayed on your phone’s screen. If anyone calls and asks for your Medicare, Social Security, or bank or credit card information, hang up. A scammer can use your personal information to file false claims, sign you up for a plan to which you didn’t agree, or even steal your identity. A legitimate Medicare employee will always have your Medicare number on file.
SMP Consumer Fraud Alert: COVID-19
As the number of people and communities affected by the COVID-19 pandemic grows, so do the scams associated with it. Scammers use public health emergencies as opportunities for new fraud schemes, and because older adults are at greater risk for serious illness from COVID-19, they may target older populations. There is currently no FDA-approved vaccine for COVID-19 and although there may be treatments for symptoms, there is no “cure.” However, scammers often use fear-based tactics to convince people that a vaccine or cure is now being offered. It’s also important to remember that although the Centers for Disease Control and Prevention (CDC) and other public health officials may contact you if they believe you may have been exposed to the virus, they will not need to ask you for insurance or financial information.
The Senior Medicare Patrol (SMP) recommends that Medicare beneficiaries:
- Contact your own doctor if you are experiencing potential symptoms of COVID-19.
- Do not give out your Medicare number, Social Security number, or personal information in response to unsolicited calls, texts, emails, home visits, or booths at health fairs and other public venues. If your personal information is compromised, it may be used in other fraud schemes as well.
- Be suspicious of anyone going door-to-door to offer free coronavirus or COVID-19 testing, supplies, or treatments.
- Carefully review your Medicare Summary Notice (MSN) or Explanation of Benefits (EOB), looking for errors or claims for products or services that weren’t received.
- Follow the instructions of your state or local government for other actions you should be taking in response to COVID-19.
- Contact your local SMP for help. SMPs empower and assist Medicare beneficiaries, their families, and caregivers to prevent, detect, and report health care fraud, errors, and abuse.
SMP Monthly Newsletter