Medicare Scams: Flex Cards, New Cards & Free Offers
Medicare scams use fake benefits — a “flex card,” a “new card,” or free supplies — to get your Medicare number, which is as valuable as a credit card number.
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How the Medicare scam works
The real Medicare already has your information and contacts you by mail. Scammers text or call promising benefits, then ask you to “confirm” your Medicare number or pay a small fee.
Red flags to watch for
- A text or call about a Medicare “flex card” or free benefit you didn't request
- A request to “confirm” your Medicare number
- Pressure to act before an offer “expires”
- An unfamiliar link to “claim” benefits
What it looks like
“Medicare: You've been approved for a $2,800 flex card. Confirm your Medicare number to claim before it expires.”
What to do
- Don't tap the link or share your Medicare number.
- There is no Medicare “flex card” — the government doesn't offer one.
- Verify anything about your coverage by calling 1-800-MEDICARE (1-800-633-4227).
- Report it to the FTC at 1-877-382-4357.
Is it a Medicare scam? Check it free.
Paste the call, text, email, or letter and get a plain-English answer in seconds.