Understanding Medicare and Take the Detour Away From Fraud
In most other years, Medicare calls start coming in August. For 2021 however, the calls and mailings have not stopped, Medicare enrollers have used new technology to find ways to pick up business. With Covid numbers on the rise, insurance companies have made it easier to enroll Medicare beneficiaries online or on the phone. The downside of that is, it also made it easier for those who would be willing to commit fraud for business. If you receive a phone call stating that they will “help with prescription costs,” require that they be specific about those costs. Ask for them to send you information so you can compare such savings. Generally speaking, if it is not a better deal for you, the phone enroller will not be willing to take the time to verify. A sales goal is to make the sale quickly, and if possible, in the current phone call. Don’t be rushed into buying a plan, know what you are buying. Medicare Advantage and Drug Plans ARE changing for 2022, Medicare clients will be receiving their Annual Notice of Change letters from their current insurance companies any day now. Once the letter comes, read it, and if you do not understand how the changes affect you talk to someone, a trusted friend or an insurance agent who has been trained in the 2022 plan changes. Be proactive, so you are not surprised by spending more money than needed in 2022. The opportunity to make such changes is between October 15 until December 7, 2021. Protect your Medicare number, as you would your social security or banking information. Medicare insurance agents do need the information to make plan changes. But you should feel a level of comfort that the agent or agency you are working with will protect this important information for you. Again, don’t be afraid to ask, it is much easier to detour fraud than to find yourself a victim. Most detours are not convenient and require more time to get where you are going. But in the case of Medicare, taking the time to know what route works best for you, is the best fraud deterrent.
– Sharon Crain Williams, Agent, ET Insurance, Inc