Medicare Scams in Florida: 6 Red Flags During Enrollment (Stay Safe)

Each year, Florida seniors face a heightened risk of Medicare-related scams, especially during open enrollment. Fraudsters prey on confusion and pressure individuals into making hasty decisions that can compromise their security and finances. Knowing the red flags can help you stay safe and protect your benefits.

Why Florida Seniors Are Especially Targeted

Florida has one of the largest populations of Medicare beneficiaries in the country, particularly in Miami-Dade, Broward, and Palm Beach counties. This makes Florida a prime target for scammers who use phone calls, mailers, or online ads to trick people into giving up personal or financial information.

Red Flag 1: Unsolicited Calls Asking for Personal Information

If you receive a call out of the blue asking for your Medicare number, Social Security number, or banking details, it is almost certainly a scam. Medicare will not call you unexpectedly to ask for personal details.

Red Flag 2: High-Pressure or Urgent Enrollment Tactics

Scammers often push seniors to make immediate decisions, warning that coverage could be lost if they don’t act now. Legitimate Medicare representatives will give you time to review your options carefully.

Red Flag 3: Offers of “Free” Medical Equipment or Services

Be cautious if someone promises free medical supplies or services in exchange for your Medicare number. These offers are often fronts for billing fraud.

Red Flag 4: Requests for Payments by Gift Card, Wire Transfer or Crypto

Medicare does not accept payments in the form of gift cards, wire transfers, or cryptocurrency. Requests like these are major warning signs of fraud.

Red Flag 5: Claims of Coverage Loss or Premium Increases Unless You Act Now

Fraudsters may falsely claim your Medicare coverage is about to be canceled or that your premium will skyrocket unless you sign up with them immediately. Always verify these claims directly with Medicare.

Red Flag 6: Fake Plan Discounts or Misleading “Endorsements”

Some scammers pretend to represent official organizations or claim they can get you a special plan at a secret discounted rate. These endorsements are almost always fake.

How to Stay Protected

• Do not share your Medicare number or Social Security number unless you are certain of who you are dealing with.
• Hang up on suspicious callers and avoid clicking on links in unexpected emails or texts.
• Verify any plan changes through official sources like Medicare.gov.
• Report suspected scams to the Office of Inspector General or 1-800-MEDICARE.

Need Enrollment Help You Can Trust?

Sorting through Medicare options in Florida can be overwhelming, and it’s important to avoid scams. Our team can walk you through your choices in a safe, clear, and supportive way.

Disclaimer: We do not offer every plan available in your area. Any information we provide is limited to the plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.

Frequently Asked Questions