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Medicare Scam Phone Calls

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Quick answer

Medicare scam phone calls are imposter calls demanding your Medicare number, payment, or personal data. Medicare never calls uninvited to ask for your number. The FTC says imposter scams are among the top frauds targeting seniors. Hang up, never share your number, and report it to 1-800-MEDICARE or ReportFraud.ftc.gov.

Knowing the warning signs of a Medicare scam call is the fastest way to protect your money and your coverage.

What does a Medicare scam phone call sound like?

A Medicare scam call usually opens with a friendly or official-sounding script, then creates urgency. Typical lines include 'We're sending your new Medicare card, please confirm your number,' 'Your benefits will be suspended,' or 'You qualify for a free back brace.' The caller may already know your name or address, which feels convincing but proves nothing. The goal is always the same: get your Medicare number, Social Security number, or a payment. If a call pressures you to act now or share numbers, it is a scam. Hang up and, if you have questions, call 1-800-MEDIGAP.

What information will Medicare never ask for by phone?

Medicare will never call out of the blue to ask for your Medicare number, Social Security number, bank account, or credit card. It will never demand payment by gift card, wire, or cryptocurrency, and it will never threaten to cancel coverage to pressure you. Per the HHS Office of Inspector General, guarding your Medicare number is like guarding a credit card. Give it only to trusted providers and plans you contacted yourself. If anyone calls asking you to 'verify' these details, treat the call as fraud and hang up.

How do I report and block these calls?

Report Medicare scam calls to 1-800-MEDICARE (1-800-633-4227) and file with the FTC at ReportFraud.ftc.gov. For suspected fraud against Medicare, call 1-800-HHS-TIPS (1-800-447-8477). Register your number at DoNotCall.gov so any later sales call stands out as suspicious, and use your phone's built-in call-blocking and spam-labeling features. Let unknown calls go to voicemail. To talk through whether a specific call was legitimate before you act, call 1-800-MEDIGAP for free guidance.

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Frequently asked questions

How do scammers get my phone number and name?+

Scammers buy data from breaches, public records, and marketing lists, so knowing your name or address means nothing about legitimacy. They also 'spoof' caller ID to look official. Treat any unsolicited call asking for your Medicare number as a scam regardless of what details the caller already seems to know.

Is it safe to call back a number that left a Medicare voicemail?+

Not the number in the message. Scam voicemails give callback numbers that route to the fraudster. If you want to check on a real Medicare issue, call 1-800-MEDICARE (1-800-633-4227) from your card, or call 1-800-MEDIGAP. Never use a callback number from an unsolicited message.

What if the caller already knows my Medicare number?+

Do not confirm it or assume the call is real. Scammers sometimes recite part of a number to seem legitimate and bait you into verifying the rest. Hang up. If you suspect your number is exposed, watch your Medicare Summary Notices and report concerns to 1-800-MEDICARE.

Can answering one scam call lead to more?+

Yes. Answering or pressing keys signals an active line, often triggering more calls and selling your number to other scammers. Let unknown calls go to voicemail and avoid 'press 1 to opt out' prompts, which usually confirm your number rather than remove it.

Where do I get help if I'm not sure a call was a scam?+

Call 1-800-MEDIGAP (1-800-633-4427). We can help you understand whether a Medicare call or offer is legitimate and direct you to the right reporting hotline. For official fraud reports, also contact 1-800-MEDICARE or the FTC at ReportFraud.ftc.gov.

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