Medicare Scams Surge in the Summer: What to Watch For

Summer is supposed to be a time to relax and enjoy life. Unfortunately, it's also when Medicare scams start to heat up.

We often hear from people who get strange phone calls, suspicious letters, or bills that don’t make sense. Scammers know folks are more distracted in the summer. They also know a lot of people are traveling or spending time with family and not always on high alert.

If you’re on Medicare or getting close to it, here are some common scams to keep an eye out for and how to protect yourself.

1. The “You Need a New Medicare Card” Call
Someone calls and says your card is expiring or being reissued and asks you to confirm your Medicare number. Don’t do it. Medicare will not call you out of the blue to update your card or verify your number. This is one of the most common scams we hear about.

2. “Free” Braces, Back Supports, or Genetic Testing Kits
If someone is offering you free equipment or medical tests that you didn’t request, that’s a red flag. Scammers use these offers to bill Medicare for thousands of dollars. Even if you don’t pay anything out of pocket, your name could end up tied to fraudulent charges.

3. Fake Insurance Plan Offers
This one especially targets people turning 65. You might get a call, email, or even a letter that looks official, offering to sign you up for a “special” Medicare plan. Sometimes they switch your plan without your permission. If you're unsure whether something is legit, reach out before you sign anything.

4. Local-Looking Phone Numbers
Just because a number shows up as “Green Bay” or “Marion” doesn’t mean it’s safe. Scammers use something called number spoofing to make it look like a trusted local number. Always be cautious, especially if the caller is pressuring you.

5. Phishing Emails and Texts
Some scammers now send emails or text messages pretending to be from Medicare, Social Security, or even your pharmacy. They might include a link or ask you to call back. Do not click or respond unless you're absolutely sure it's real. When in doubt, call the real number from the organization's website.

How to Protect Yourself

• Medicare will not call and ask for your number, your payment info, or your personal details.

• Never give information to someone who contacted you out of the blue, even if they sound professional.

• Don’t click on links in messages or emails unless you were expecting them.

• Report anything suspicious directly to Medicare at 1-800-MEDICARE.

Not Sure if It's a Scam? Ask Me
If something feels off, don’t ignore your instincts. One of the best parts about working with a local agent is that you can call or email us directly if something seems fishy. We’d much rather help you double-check something than have you end up in a mess.

Scammers rely on people feeling unsure and isolated. Let’s not give them the chance.