1. How do I know if a Medicare quote offer is a scam?

Scammers often pressure you to enroll immediately, ask for your Social Security Number upfront, or refuse to show plan details until you “sign up.” Legitimate Medicare quotes will always show plan information clearly and never require sensitive personal information before you review your options.

2. Should someone ever ask for my Medicare or Social Security number to give me a quote?

That depends on the situation. If you do not have your Medicare ID then a agent can use the social security number to verify your Medicare ID. If there is a situation you are on Medicare and Medicaid and do not have that information than the social security number can be used to identify Medicare and Medicaid information., 

To generate a fully accurate Medicare quote, a broker only needs your ZIP code, medications, and preferred doctors and then with your permission to verify your Medicare and or Medicaid information Your Medicare number or SSN should never be requested befor the quote process. If someone asks for it, that’s a red flag.

3. Is it normal for Medicare agents to call me without my permission?

No. Cold-calling for Medicare plans is illegal. If someone calls you claiming to be from Medicare or “your insurance provider” without your consent, it’s likely a scam. Medicare will never call you to sell plans.

4. What should I do if a quote seems too cheap to be real?

If a Medicare plan promises unusually low costs or “free coverage with everything included,” be cautious. Many scam ads hide limits, exclusions, or bait-and-switch enrollment tactics. Always verify with a licensed broker.

5. How can I safely request a Medicare quote?

Use a trusted, licensed broker or a verified website. Look for clear disclosures, no-pressure guidance, and transparent plan comparisons. A legitimate quote provider will let you review benefits before asking any personal details.

6. Can scammers enroll me in a Medicare plan without my permission?

Unfortunately, yes—if you provide enough personal information. Some scammers change beneficiaries’ plans without consent. Always check your Medicare.gov account regularly during enrollment periods.

7. What are the most common Medicare quote scam tactics?

Common tactics include fake “Medicare rebate” offers, unsolicited calls, impersonation of Medicare staff, misleading TV ads, and forms that trick you into giving permission to be called by multiple agents.

8. What should I do if I think I was targeted by a scam?

Stop communicating with the scammer, report the incident to 1-800-MEDICARE, and monitor your Medicare Summary Notices for unauthorized changes. A licensed broker can help you verify if anything was altered.