The Top 5 Medicare Scams Seniors Face in 2025 — And How M3 Protects You

Medicare isn’t just complicated—it’s also a favorite target for scammers. In 2025, seniors are reporting new tricks on Reddit and watchdog groups like AARP. The fraudsters’ goal? Your Medicare number and bank information.

Here are the five most common scams seniors face right now—and how you can protect yourself.

1. The “New Medicare Card” Scam

Fraudsters call pretending to be from Medicare, claiming you’ll receive a new plastic card with a chip. They ask you to “verify” your Medicare number or bank details.

Reality check: Medicare cards are still paper. No chip. No plastic.

2. The Genetic Testing/DNA Swab Scam

Scammers show up at health fairs, call your home, or mail you “free” DNA test kits. They promise Medicare covers it, but their real plan is to bill Medicare for fake services—or steal your identity.

3. The Medicare Advantage Plan Switch Scam

During Open Enrollment, crooks pose as licensed agents and pressure you into switching plans that look better but actually offer worse coverage. In some cases, they even forge signatures. Victims are left with higher costs and less protection.

4. False Claims & “Free” Medical Supplies

“Free back braces” or “new diabetic supplies” offers may sound helpful, but scammers use them to get your Medicare number. Victims either receive junk-quality goods—or nothing at all—while Medicare is billed thousands for items they never needed.

5. Fake Rebates, Refunds, or Grocery Offers

Shady outfits like “Senior Benefits Direct” dangle rebates on groceries or rent. The catch? They need your Medicare or bank information. Once you give it, the fraud begins.

How to Protect Yourself

🚩 Red flags include:

• Unsolicited calls, texts, or emails about Medicare.

• Offers that sound “too good to be true.”

• High-pressure sales tactics urging you to act “right now.”

✅ What to do:

• Never give your Medicare number over the phone.

• Report scams to Medicare or Senior Medicare Patrol.

• Regularly review your Medicare statements for suspicious charges.

Your Firewall Against Scams: Mary & Alexis at M3 Insurance

The easiest way to protect yourself? Work with a trusted, independent insurance agency.

Mary and Alexis at M3 Insurance act as your firewall:

• They only present legitimate plan options from reputable insurers.

• They guide you through enrollment without pressure.

• They protect you from misleading offers and scams.

👉 With Mary and Alexis, you’re never navigating Medicare alone—or at risk of being tricked by scammers.

💬 Question for you: Have you or someone you know been targeted by one of these scams? Drop a comment so others can learn what to watch for.