During this annual period of transitioning for Medicare beneficiaries over the age of 65, Robert frequently hears stories from clients about scams targeting them or their friends.

There are various scams out there, some of which are introduced by friends. These insurance agents, eager for referrals, often overlook whether the new insurance plan is accepted by the clients’ existing doctors. In many cases, clients are switched to a different plan without their knowledge. They only discover the change when they need to use their insurance, only to find out that their doctor does not accept the new plan. Robert has heard countless stories like this.

Scammers also make phone calls to seniors. When a senior answers, the callers typically engage in casual conversation to put them at ease, asking common questions to build rapport. Then they might say things like, “We need you to confirm your new Medicare card number to activate it,” or “There’s an error with your new Medicare card, and we need to replace it,” or “You have an old paper version; it’s time for the new plastic one.” Regardless of the tactic, their goal is to obtain personal information, including the new Medicare card number, and possibly even Social Security numbers.

Here are some key points for seniors to remember:

– Medicare will never call unexpectedly to ask for personal or private information.
– Seniors usually receive a written notification in the mail before any calls from government agencies.
– Any calls requesting Medicare information should be considered suspicious.
– There is no “plastic” Medicare card.

If seniors are unsure whether a call is a scam, they are encouraged to reach out with any questions. Robert offers free consultation services with no fees, helping clients navigate their insurance needs. Many of his clients were referred by friends, and after two or three years, the original insurance agents have moved on, leaving these clients without support. This can lead to problems with claims and billing. Additionally, without a dedicated insurance agent to help find the right plan each year, clients may end up overpaying for premiums that do not fully cover their medications.

A simple phone call can resolve these issues. Seniors can call 1-800-908-0883, connect via Line or WeChat at robertju1718, or visit Robert’s San Jose office. He holds informational sessions Monday and Wednesday from 10:00 AM to 11:00 AM in San Jose, and Saturday sessions in Fremont, running until December 7, 2024. All are welcome to sign up.