Prevent Medical Identity Theft and Medicare Fraud

For seniors and caregivers in Anne Arundel County, Queen Anne’s County, and the Columbia area, Medicare is essential to staying healthy and independent. Unfortunately, it has also become a frequent target for criminals. Medical identity theft and Medicare fraud are growing problems that can cause financial harm, disrupt medical care, and create stress for individuals and families who are already navigating complex health needs.

Medicare fraud is big business. Medicare loses an estimated $60 billion annually to fraud, errors, and abuse. While the exact number is difficult to calculate, one thing is clear: protecting your Medicare information is more critical than ever. Safeguarding your card and staying informed can help prevent fraud before it happens and give you peace of mind.

What Is Medical Identity Theft?

Medical identity theft can occur when someone uses your personal or Medicare information to receive medical services, equipment, or prescriptions in your name. It can lead to incorrect medical records, denied benefits, unexpected bills, and long-term complications that take time and energy to resolve.

For caregivers, this risk extends beyond yourself. If you help manage care for an aging parent or loved one, you may be the first line of defense in spotting suspicious activity or billing errors.

Simple Steps to Prevent Medicare Fraud

Protecting yourself from Medicare fraud does not require hi-tech resources. It just takes awareness, caution, and consistency. Here are some important steps every Medicare beneficiary and caregiver should follow:

Keep your Medicare and Social Security cards in a secure location: Treat your Medicare card like a credit card. Carry it only when necessary and store it safely at home. Never leave it in your wallet “just in case.”

Share your Medicare number only with trusted healthcare providers: Doctors, hospitals, pharmacists, and insurance companies that you work with directly may need your number. No one else does.

Be cautious of unsolicited calls: If someone calls asking for your Medicare information, hang up. Medicare will only contact you if you have called first and left a message, or if somebody told you in advance that a representative would call.

Review your Medicare statements carefully: Check your Medicare Summary Notices or log in to your Medicare.gov account. Look for services you don’t recognize, duplicate charges, or equipment you never received. Even minor errors should be questioned.

Never feel rushed or pressured: Scammers often rely on fear or urgency. Take your time, ask questions, and verify information before sharing anything.

Common Medicare Scam Red Flags

Be alert if someone contacts you stating:

• You are getting a new plastic Medicare card
• Medicare is switching to a card with a computer chip
• It’s a new year, and you need a new card
• You need a black-and-white Medicare card
• They need your Medicare number to see if you’ve received your new card
• They need you to “verify” your Medicare number to confirm your card

These are common tactics used in Medicare fraud schemes. 

What to Do If You Suspect Medicare Fraud

If you notice suspicious activity or believe you may be a victim of medical identity fraud, reporting it as soon as possible can help stop further damage.

• Call 1-800-MEDICARE (1-800-633-4227) to report fraud or billing concerns
• Contact the Senior Medicare Patrol (SMP) at 1-877-808-2468

Your local SMP offers assistance, educational resources, and community presentations designed to empower seniors and caregivers. They are trained volunteers who understand the challenges and provide guidance with patience, respect, and care.

Trust Chesapeake Caregivers

At Chesapeake Caregivers, we believe that seniors deserve to age with dignity, security, and confidence. Protecting your personal and medical information is an important step in maintaining independence and well-being. Whether you are a Medicare beneficiary or a caregiver supporting a loved one, staying informed helps you make empowered decisions about health and safety.

If you ever feel unsure, remember that you are not alone. There are compassionate professionals and community resources available to help you navigate the challenges of Medicare fraud.

Content provided in part by the Consumer Financial Protection Bureau and the Senior Medicare Patrol.