Paper Doll on the New Medicare Cards: How To Organize Against Identity Theft & Scams
Are you one of the almost 60 million Americans enrolled in Medicare? Are your parents or grandparents? If so, it’s important to know that all Medicare recipients will soon be getting new identification cards. The first of the new cards will be mailed starting April 1, 2018, and the rollout will continue through April 30, 2019.
Why the Change?
According to the Centers for Medicare and Medicaid Services (CMS), the new cards will better protect an enrollee’s identity and guard against fraud. Basically, the hope is that the new Medicare ID cards will make it much harder for the bad guys to scam Medicare recipients and steal their identities.
The new Medicare cards will have less personally identifying information than in the past. Cards won’t have the bearer’s Social Security number, gender, or signature.
Each new card will have a computer-generated Medicare Beneficiary Identifier (MBI) assigned specifically to each Medicare enrollee. The MBI will be a combination of eleven numbers and letters, and healthcare providers (including physicians, labs, and hospitals) will be required to bill using MBI instead of Social Security numbers.
Medicare has created a special website, go.medicare.gov/NewCard just to help people feel more at ease with the changes. (CMS has special links available to help healthcare providers and office managers, health insurance and drug plans, employers and media, and individual states cope with the change.)
But what do you have to do?
Step one is to be aware that the change is coming. If you’re a Medicare recipient, or your parents, grandparents, or older friends have Medicare, start by letting them know the cards are on their way.
Doctor’s offices will be asked to play the following video for the benefit of their Medicare patients, and I encourage you to share this video via social media so that other enrollees and their loved ones can be apprised of what’s going on.:
Cards will come automatically. Benefits stay the same. There’s nothing else you absolutely have to do. However, if you’ve moved recently or are just starting to receive benefits, the Social Security Administration urges Medicare enrollees to make sure the agency has their correct address on file.
Log into your Social Security account at socialsecurity.gov/myaccount (What? you didn’t follow Paper Doll’s advice for setting up your online Social Security account? Not even when I pestered you about it?) or call 800-722-1213 to update your address in the system.
[One special note: Every Medicare enrollee is getting a new Medicare card, but if you are also enrolled in a Medicare Advantage Plan (like an HMO or PPO), your Medicare Advantage Plan ID card is your main card for Medicare. So hold onto your Medicare Advantage Plan ID card, and keep it for whenever you need healthcare care. However, healthcare providers may ask you to show your new Medicare card, so keep it ready, too.]
So what’s the catch?
The Department of Justice reports that identity theft for seniors aged 65 and above is a serious problem. In fact, in 2014, the most recent year for which statistics have been released, 2.6 million seniors are victims of identity theft annually! (The Federal Trade Commission has released a document explaining the seven most common identity theft schemes targeting seniors.)
There’s little doubt that scammers and identity thieves are already anticipating this Medicare card change, using potential confusion to their scummy, scammy advantage. However, sharing some basic information can help protect those most in danger of being victimized.
Spread the word (to Dad, Grandma, Aunt Gertrude, and your older pals) that if any of the following things happen, it’s a scam.
If you’re called on the telephone and asked to pay to receive your new Medicare card, hang up. The card is free to all Medicare recipients.
If you’re called and asked for your Social Security number and bank number in order to get your new card, hang up. Medicare won’t call you. Medicare doesn’t need to know your banking information. Ever.
If you’re called and told you will lose your Medicare benefits if you don’t send money or provide your banking info or credit card now, roll your eyes and hang up.
If there are any “fragile” seniors in your life who may be at risk for being coerced, assure them that if they ever get such a call, they should hang up without fear. If they are still ill at ease, tell them to ask for the caller’s name and number and say that their “financial representative who handles all of these tasks” for them will return the call. Then, you can call and report these ne’er-do-wells to the police.
What’s the Timeline?
Medicare beneficiaries in Delaware, Maryland, Pennsylvania, Virginia, West Virginia, and the District of Columbia will be the first to receive the replacement cards (between April and June). Medicare enrollees in Alaska, American Samoa, California, Guam, Hawaii, the Northern Mariana Islands, and Oregon will also start getting their cards in the April to June 2018 range. If you’re in any other state, the mailing date is merely defined as “after June 2018” and the rollout will continue over the course of the next twelve months. Almost 60 million recipients getting new cards means a lot of mail to process!
Medicare recipients will have until 1/1/2020 before they are required to use the new card, and while both cards will be valid until that date, getting the new card in action and shredding the old card will ensure protection. I also encourage you to make a photocopy of your new Medicare card (just as I always advise photocopying the contents of your wallet) and keep it in a safe place, like your fireproof safe with your other VIPs (very important papers).
For more on the important documents that should (and shouldn’t) be in your wallet, refer to these classic Paper Doll posts:
What’s in Your Wallet (That Shouldn’t Be)?
What’s in Your Wallet (That Should Be)?
What’s in Your Wallet (Part 3): A Little Insurance Policy
Lost and Found: GONE in 60 Seconds: Your Wallet
Stay healthy. Stay aware. Stay organized!
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