Seniors are often targeted by various scams, and it’s crucial to stay informed to protect yourself or your loved ones. One type of fraud to be particularly aware of is the genetic testing scam, which can also be linked to broader senior care and final expense schemes.
Genetic testing scams typically involve offers for “free” screenings or cheek swabs. Scammers use telemarketing, public events, or even door-to-door visits to target Medicare beneficiaries. Their goal is to obtain your Medicare information for identity theft and fraudulent billing. They bill Medicare for tests that are not medically necessary and may not even be ordered by your doctor.
If you agree to these “free” genetic tests or share your Medicare details, you might receive a testing kit even if your physician hasn’t ordered it and it’s not medically needed. Should Medicare deny the claim, you could be stuck with a bill of thousands of dollars. Furthermore, your personal information obtained in these scams can be used for other fraudulent schemes, including those related to final expenses. Scammers might use your stolen data to target you with fake final expense insurance policies or other related scams, knowing seniors are often concerned about these costs.
Protect Yourself From Senior Scams
To avoid becoming a victim of genetic testing or related senior care scams, including those involving final expenses, follow these protective measures:
- Be wary of “free” offers: If anyone offers you “free” genetic testing and asks for your Medicare number, be extremely cautious. Legitimate healthcare providers will not solicit you in this manner.
- Only accept tests ordered by your doctor: If you receive a genetic testing kit in the mail unsolicited, refuse it. If it arrives, return it to the sender and keep a record of the sender’s details and return date.
- Protect your Medicare information: Never give your Medicare number to anyone who contacts you unsolicited, except for your known and trusted physician’s office. Your Medicare information is sensitive and can be misused for various fraudulent activities, including final expense scams.
- Consult your physician: Always discuss genetic testing with a physician you trust. They can assess your medical needs and determine if genetic testing is necessary.
- Report suspected fraud: If you believe you have encountered a Medicare scam, or any other type of senior care scam, including final expense scams, report it immediately to the HHS OIG Hotline.
By staying vigilant and informed, you can protect yourself from falling victim to these deceptive schemes and safeguard your health and finances.
