Watch Out. The 2025 Medicare Scams Are Everywhere This AEP

If you’ve spent any time on Facebook, Instagram, or even just checking your voicemail lately, you’ve probably noticed it. Scam season. And during the 2025 Annual Enrollment Period, the crooks are louder, bolder, and more creative than ever.

They’re dangling “free money.” They’re pretending to be Medicare. They’re pushing people to “act now” before imaginary deadlines hit. And they’re hitting seniors from every direction.

Mary said it best. “Every year the scammers get sharper, but this year they’re running full-speed. Seniors are overwhelmed, and most don’t know what’s real and what’s not.”

Here’s what M3 has been seeing pop up all over social media this AEP.

The Biggest Medicare Scams This Year

Fake Ads With Big Promises

These are all over Facebook and Instagram. Ads claiming you’ll get a preloaded debit card with thousands of dollars, “exclusive benefits,” or special perks if you sign up today.

The truth. They’re just trying to get your info or your money. There are no such bonuses.

The Fake Medicare Card Update

Maybe you’ve seen the posts or gotten the calls. “You must replace your Medicare card for 2025. The new one has a chip.”

Nope. It’s a scam. Medicare isn’t issuing new chip cards, plastic cards, or anything you have to “renew” by phone or text.

Threatening Phone Calls

This one hits people hard. Someone claiming to be from Medicare threatens to cancel your coverage unless you verify your Medicare or Social Security number.

Real Medicare doesn’t make calls like that. Ever.

Genetic Testing & Medical Equipment Scams

Free DNA kits. Free braces. Free walkers. Free equipment you never asked for.

In reality, it’s a ploy to steal your Medicare number and bill the system for things you never received.

Unsolicited Gift Offers

Messages or ads offering free gifts, free meals, or “loyalty rewards” if you hand over personal information. It’s always a trap.

Alexis summed it up. “If it sounds too good to be true, it is. And if someone reaches out to you out of the blue about Medicare… it’s not Medicare.”

Where These Scams Are Spreading

• Facebook & Instagram ads targeting seniors with false promises.

• DMs and messages pretending to be Medicare reps.

• Facebook groups and Reddit threads filled with people reporting nonstop scam calls.

• Posts pushing fake deadlines outside the real AEP window of Oct 15–Dec 7.

The playbook’s simple. Make it sound urgent. Push you to act fast. Get your personal information.

How to Protect Yourself

• Medicare will never call, DM, or email you asking for personal information.

• Never trust offers for new cards or preloaded debit cards.

• Don’t accept genetic testing or equipment you didn’t request through your doctor.

• Report anything suspicious to the FTC or Senior Medicare Patrol.

And most important. Talk to a real, licensed, local Medicare agent you trust.

If You’re Unsure, Call M3.

Mary and Alexis work with real plans, real rules, and real people. Not hype. Not gimmicks.

Not scare tactics.

If you ever get a questionable message, ad, or phone call. Let them look at it.

If you’re not sure if something is legit. Ask.

If you want to make sure your Medicare is set up correctly for 2025. They’ve got you.

📞 Call or text M3 today: (440) 567-8016

📧 Email: mmmitchem.tlc@gmail.com

They’ll walk you through your options and make sure you’re protected in a season where the scammers are working overtime.