Medicare scams: how to protect an older parent
Common Medicare scams in 2026, red flags, how to protect a parent's Medicare number, and where to report fraud.
Medicare numbers are valuable to scammers because they can be used to bill for services that never happened. Older adults are targeted by phone, mail and door-to-door.
Common scams
- Free equipment or genetic tests offered by phone in exchange for a Medicare number.
- Fake Medicare representatives saying a card is expiring or needs to be replaced for a fee.
- Enrollment pressure around Open Enrollment, including callers who switch plans without clear consent.
- Fake refunds or "benefit checks" that require bank details.
Red flags
- Medicare does not call you unless you asked for a call.
- Medicare cards are free and do not need activation.
- Legitimate agents need your permission (a scope of appointment) before discussing specific Medicare Advantage or Part D plans and will not pressure you to decide on the spot.
Protect the Medicare number
Treat it like a credit card number. Share it only with doctors, pharmacies, insurers and people you trust. Review Medicare Summary Notices for services that did not happen; the paperwork checklist explains what to look for.
Where to report
- 1-800-MEDICARE.
- The Senior Medicare Patrol in your state, which helps people spot and report fraud.
- The HHS Office of Inspector General hotline.
If a plan was changed without consent
Call 1-800-MEDICARE promptly. Enrollments made without consent can often be reversed.
Questions people ask
Does Medicare call people?
Only if you requested a call.
Do I have to pay for a new Medicare card?
No. Medicare cards are free.
What should I do if someone has my parent's Medicare number?
Watch statements and report suspected fraud to 1-800-MEDICARE or the Senior Medicare Patrol.
Can an unauthorized plan change be reversed?
Often, if reported quickly.
Independent educational site. Not affiliated with or endorsed by the U.S. government, the federal Medicare program, or any insurance company. Figures are 2026 amounts published by CMS unless noted; check Medicare.gov for your situation.