Better Business Bureau: avoid open enrollment cons and political scams
The following information was provided by the Better Business Bureau of South Central Louisiana
BATON ROUGE, La. (WAFB) - Every year during health insurance open enrollment season, scammers try to dupe unsuspecting consumers into sharing their personal information. This year is no exception. According to new BBB.org/ScamTracker reports, Americans are getting scam calls phishing for their Medicare numbers and other personal information. This year, open enrollment runs October 15 - December 7, 2020 for Medicare and November 1- December 15, 2020 for the Affordable Care Act.
How the Scam Works:
You receive a call (or a recorded message) from someone who claims to be helping you navigate your Medicare options. They may call themselves a “health care benefits advocate” or a similar title. The caller says they can enroll you in a better Medicare program than what you currently have. This new plan is cheaper, and you can keep all the same services. To get started, all you need to do is provide some personal information, such as your Medicare ID number. Of course, the call is a scam, and sharing personal information will open you up to identity theft.
In another version reported to BBB.org/ScamTracker, the caller is trying to frighten – rather than assist -you. In this case, they claim that your Medicare will be discontinued if you don’t re-enroll. Fortunately, this “Medicare advisor” can fix the situation – if only you share your share personal information.
Tips to Avoid Open Enrollment Scams
Selecting a health insurance plan can be challenging and complex. Be on the lookout for common red flags.
- Be wary of anyone who contacts you unsolicited. People representing Medicare or ACA plans don’t contact you by phone, email, or in person unless you are already enrolled. Be especially cautious of threatening calls that require quick action or immediate payment.
- Decline promotional gifts in exchange for personal information. Keep a healthy level of skepticism any time a broker offers you free gifts, health screenings, or other special deals. Never sign up with a broker who offers you an expensive “sign-up gift” in exchange for providing your Medicare ID number or other personally identifiable information.
- Beware of dishonest brokers who offer “free health screenings.” Some brokers offer this to weed out people who are less healthy. This is called “cherry picking” and is against the Medicare rules.
- Guard your government-issued numbers. Never offer your Medicare ID number, Social Security number, health plan info, or banking information to anyone you don’t know.
- Hang up and go to official websites. You can enroll or re-enroll in Medicare at Medicare.gov or in a marketplace health plan at Healthcare.gov.
Here are some BBB tips to avoid political scams:
- Donate directly to the campaign office: Donations made over the phone can be valid, but to be sure you are donating directly to the campaign, donors should give either through the candidate’s official website or at a local campaign office.
- Watch for spoofed calls: Your Caller ID may say that someone from Washington DC or from a campaign office is contacting you, but scammers can fake this using phone number spoofing technology.
- Beware of prize offers: Just hang up on any political pollster who claims that you can win a prize for participating in a survey. Political survey companies rarely use prizes, so that is a red flag (especially if they ask you to pay for shipping or taxes in order to claim it).
- Don’t give out personal or banking information: Political pollsters may ask for information about your vote or political affiliation, and even demographic information such as your age or race, but they don’t need your Social Security number or credit card information.
- Research fundraising organizations before donating: Be especially cautious of links that come to you through email or social media, and don’t click through. Instead, go directly to an organization’s website by typing the URL in your browser or using a search engine.
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