To speak with Russ, a licensed agent, call 918-906-6598 (TTY 711 M-F, 9am-5pm) or email

Watch Out for These Common Medicare Scams

Posted by Russ Scott
Estimated Reading Time 1 minute 22 seconds

Watch Out for These Common Medicare Scams

Enrolling in Medicare can be complicated enough. Unfortunately, scammers and unethical brokers sometimes make the process even more difficult. Watch out for these common signs of a Medicare scam, not just during enrollment season but all year long.

“Medicare representatives.” Medicare does not employ representatives who will reach out to you, attempting to sell you a plan. Yes, plans called Medicare Advantage are available through private insurance companies, but you will learn about those through a licensed insurance broker.

Fear-based tactics. No, you never have to enroll in, or purchase, any type of plan to “avoid losing your benefits.” This is a common tactic used to incite fear and prompt you to act quickly without examining the seller. If you don’t choose a new plan during the enrollment season, you will simply be re-enrolled into your current plan. And you never have to enroll in a Part D (prescription) plan to avoid losing other benefits.

Fake refund offers. Medicare will never contact you to inquire about your Medicare ID number, birth date, bank account number, or other sensitive information. This is especially true with “refund” or “rebate” offers. If you overpay for some reason, your plan administrator would contact you by mail.

“Extra benefits.” Anyone who contacts you, offering tempting “extra benefits” could be a scam artist. Always check for a broker’s license number before discussing your Medicare plan with them but be aware that unethical licensed brokers do exist as well. Never provide your Medicare ID number over the phone. This is often a trick used to enroll you in a different plan without your being aware.

Licensed insurance brokers are subject to strict federal regulations regarding how it can advertise and communicate about Medicare plans. Always work with a trusted broker, ask for a license number and be on guard against predatory or suspicious sales language. Our goal is simply to match you with a Medicare plan that works best for you.

Russ Scott //

I was born and raised in Tulsa, Oklahoma. I played rugby at Oklahoma State University where I graduated with a degree in Finance and a minor in Accounting. My wife, Erica, and I married in 2009 and have three wonderful children Rory (8), Sydney (6) and Reince (5). I've also been a licensed insurance professional with Medicare in the center of it all for more than 15 years.

One thing I don't take for granted is getting the privilege to meet with individuals and independent agents every week to discuss insurance needs in today’s ever-changing benefits environment. The companies that our agency has chosen to represent have become leaders in their markets and our vision is to develop a strong, capable distribution force to bring their insurance products to the public.

Legacy Insurance Advisors' mission is to sell and service all forms of health and life insurance by representing the best carriers in the industry, by maintaining a superior client base, by partnering with and retaining the most qualified professionals, and by providing all agency personnel with the training and tools available to give the very best possible service to our clients and companies. Our agents, managers, and staff are committed to educating and empowering our policyholders. We will provide guidance and expertise while managing our clients’ risk. Because of Legacy Insurance Advisors’ access to multiple providers in nearly every line of insurance, we will customize plans to fit our clients’ wants and needs.

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