What Path Do You Need To Take?

Your Initial Enrollment Period is critical—don't miss your window or face lifetime penalties.

✓ Understand your options

✓ Avoid costly mistakes

✓ Get personalized guidance

Review Your Current Plan and Discover Better Options.

✓ Compare 2025 plan changes

✓ Find better coverage

✓ Lower your costs

Contact Kim to get on the right path. Over a decade of Insider Experience Working FOR You.

Finding an Advisor You Can Trust

What to look for when choosing a Medicare Advisor

INSIDER KNOWLEDGE

PERSONALIZED SERVICE

ONGOING SUPPORT

100% FREE SERVICES

Kim has worked within the Medicare system for years—she knows the loopholes, the hidden benefits, and the costly mistakes to avoid.

No cookie-cutter recommendations. Kim takes time to understand YOUR unique health needs and budget before recommending a plan.

Medicare doesn't stop after enrollment. Get year-round support for claims, questions, and annual reviews.

Kim is compensated by insurance companies—never by you. Zero cost, zero obligation, zero pressure.

Questions and Answers

Q: Do I need to renew my Medicare plan every year?

A: No, your Medicare plan automatically renews each year—but that doesn't mean you should let it! While your coverage continues without action, plan benefits, costs, and networks can change significantly from year to year. That's why it's critical to review your plan annually during the Open Enrollment Period (October 15 - December 7) to ensure it still meets your needs and budget.

Q: My plan worked great last year. Why should I bother reviewing it?

A: Even if you loved your plan last year, several things can change:

• Your plan's benefits may have changed – Covered services, copays, deductibles, and out-of-pocket maximums can all shift

• Your medications may no longer be covered – Drug formularies change yearly, and your prescriptions might cost more or require prior authorization

• Your doctors or pharmacies may have left the network – Provider networks change, and your preferred healthcare professionals might no longer be in-network

• Your health needs have changed – New diagnoses, medications, or treatments mean your coverage needs may be different

• Better plans may be available – New plans enter the market every year with better benefits or lower costs

The bottom line: What worked last year might cost you thousands more this year—or leave you without the coverage you need.

Q: What happens if I don't review my plan and just let it auto-renew?

A: Auto-renewal is convenient, but it can be costly. Studies show:

• People overspend by an average of $1,000+ per year by not comparing plans

• More than 10% of Medicare beneficiaries overspend by $2,000+ annually

• Only 30% of people compare their current plan to other options during Open Enrollment

By not reviewing your plan, you could be:

❌ Paying higher premiums than necessary
❌ Facing unexpected out-of-pocket costs
❌ Losing access to your preferred doctors or pharmacies
❌ Missing out on better coverage options

Q: What could change in my Medicare plan from year to year?

A: Your Annual Notice of Change (ANOC) will detail specific changes, but common changes include:

Costs:

• Monthly premiums

• Deductibles

• Copays and coinsurance

• Out-of-pocket maximums

Coverage:

• Prescription drug formularies (which medications are covered)

• Prior authorization requirements

• Quantity limits on medications

• Covered services and benefits

Networks:

• Doctors and specialists

• Hospitals and medical facilities

• Pharmacies

• Service areas

Extra Benefits:

• Dental, vision, and hearing coverage

• Fitness programs

• Over-the-counter allowances

• Transportation services

Q: When should I review my Medicare plan?

A: September and October are the best months to review your plan before the Annual Enrollment Period begins on October 15. This gives you time to:

✓ Read your Annual Notice of Change (ANOC) carefully
✓ Compare your current plan to other options
✓ Consult with a Medicare expert like Kim
✓ Make an informed decision before the December 7 deadline

Don't wait until the last minute! Consultation slots fill up quickly during Open Enrollment.

Q: What is an Annual Notice of Change (ANOC)?

A: Your ANOC is a letter sent by your Medicare Advantage or Part D plan provider every fall (usually by September 30). It outlines:

• Changes to your plan's costs (premiums, deductibles, copays)

• Changes to covered services and benefits

• Updates to prescription drug coverage

• Network changes (doctors, hospitals, pharmacies)

Important: If you don't receive an ANOC, it means there are no changes to your plan—but you should still review your coverage to ensure it meets your current needs.

Q: Can I really save money by switching plans?

A: Absolutely! Many of Kim's clients save hundreds to thousands of dollars per year by switching to a plan that better fits their needs. For example:

💰 Robert M. saved $2,400/year on prescriptions by switching to a plan with better drug coverage
💰 Patricia D. saves hundreds monthly after switching during Open Enrollment
💰 Linda S. found a plan with lower premiums and better benefits

The key is comparing plans based on YOUR specific situation—not just choosing the cheapest premium.

Q: Can't I just compare plans online myself?

A: You can—but it's complicated and time-consuming. Medicare.gov lists dozens of plans, and comparing them requires understanding:

• Complex plan structures and benefits

• Prescription drug tiers and formularies

• Network restrictions and coverage rules

• Out-of-pocket cost calculations

• Hidden fees and limitations

Kim's insider knowledge saves you time and money by cutting through the confusion and presenting the best options for YOUR unique situation.

Q: What makes Kim different from other Medicare agents?

A: Kim has years of insider experience working within the Medicare system. She knows:

✓ The loopholes that can save you money
✓ The hidden benefits most people don't know about
✓ The costly mistakes to avoid
✓ How plan changes will affect you before they happen

Unlike agents who just sell plans, Kim educates you and helps you make the best decision for your health and budget.

Q: How much does Kim's service cost?

A: Nothing! Kim's consultations are 100% free. She is compensated by insurance companies—never by you. There's:

• ✅ Zero cost

• ✅ Zero obligation

• ✅ Zero pressure

You get expert guidance without spending a dime.

Q: Will Kim try to sell me the most expensive plan?

A: Absolutely not. Kim's goal is to find the plan that best fits YOUR needs and budget—not to upsell you. She takes time to understand:

• Your current health conditions

• Your prescription medications

• Your preferred doctors and hospitals

• Your budget and financial situation

Only then does she recommend plans that truly work for you.

Q: What if I'm happy with my current plan?

A: That's great! But it's still worth a quick review to confirm:

✓ Your plan hasn't changed in ways that could cost you more
✓ Your medications are still covered at the same cost
✓ Your doctors and pharmacies are still in-network
✓ There isn't a better plan available that could save you money

A 15-minute consultation with Kim can give you peace of mind that you're not leaving money on the table.

Q: I'm turning 65 soon. When should I talk to Kim?

A: As soon as possible! Your Initial Enrollment Period begins 3 months before your 65th birthday and ends 3 months after. Missing this window can result in:

❌ Lifetime late enrollment penalties
❌ Gaps in coverage
❌ Limited plan options

Schedule a consultation with Kim at least 3-6 months before you turn 65 to ensure you understand your options and enroll on time.

Q: What happens during a consultation with Kim?

A: Kim's consultations are relaxed, educational, and pressure-free. Here's what to expect:

Step 1: Discovery (15-20 minutes)
Kim asks about your health needs, medications, doctors, and budget.

Step 2: Plan Analysis (10-15 minutes)
Kim reviews your current plan (if applicable) and compares it to other options available in your area.

Step 3: Personalized Recommendations (10-15 minutes)
Kim presents the best plans for YOUR situation and explains the pros and cons of each.

Step 4: Enrollment Support (if you choose to enroll)
Kim handles the paperwork and guides you through enrollment—making it simple and stress-free.

Total time: 30-60 minutes

Q: Does Kim only help during Open Enrollment?

A: No! Kim provides year-round support, including:

✓ Initial Enrollment (when you turn 65)
✓ Open Enrollment (October 15 - December 7)
✓ Special Enrollment Periods (if you qualify)
✓ Annual plan reviews
✓ Claims assistance
✓ Questions about coverage

Kim is your Medicare partner for life—not just during enrollment.

Q: How do I get started with Kim?

A: It's easy! You can:

📞 Call Kim directly: (816) 436-9977

Kim can meet with you at her Northland Office, at your home, or at a library or other neutral space.

Don't wait until the last minute! Consultation slots fill up quickly during Open Enrollment.

Q: What is the Medicare Annual Enrollment Period (AEP)?

A: The Annual Enrollment Period (also called "Open Enrollment") runs from October 15 to December 7 each year. During this time, you can:

• Switch from Original Medicare to Medicare Advantage (or vice versa)

• Change Medicare Advantage plans

• Add, drop, or change Part D prescription drug coverage

Any changes you make take effect on January 1 of the following year.

Q: What if I miss the Open Enrollment deadline?

A: If you miss the December 7 deadline, you'll generally have to wait until the next Open Enrollment Period—unless you qualify for a Special Enrollment Period (SEP). SEPs are triggered by certain life events, such as:

• Moving to a new service area

• Losing other health coverage

• Qualifying for Medicaid or Extra Help

• Your plan leaving Medicare or your service area

Kim can help you determine if you qualify for a SEP.

A: Yes. Medicare Part B premiums are adjusted annually (for 2025, the standard premium is $185/month). Medicare Advantage and Part D premiums also change yearly and vary by plan and location.

That's another reason to review your plan annually—to ensure you're not overpaying.

Q: Do Medicare premiums change every year?

Q: Can I switch plans if my health needs change mid-year?

A: Generally, you can only switch plans during Open Enrollment or if you qualify for a Special Enrollment Period. However, there are some exceptions:

• Medicare Advantage Open Enrollment Period (January 1 - March 31): If you're already enrolled in a Medicare Advantage plan, you can switch to a different Medicare Advantage plan or return to Original Medicare during this time.

Kim can help you understand your options if your health needs change.

SCAM ALERTS

MEDICARE SCAMS & FRAUD Q&A

Q: What are Medicare card scams?

A: Medicare card scams are fraudulent schemes where scammers pose as Medicare representatives or government officials to steal your personal information, including your Medicare number, Social Security number, or banking details.

Important: The last time Medicare updated cards was in 2018 when they replaced Social Security numbers with random Medicare Benefit Identifiers (MBI). There are no plans to update cards again—so anyone claiming you need a "new card" is lying.

Q: How do Medicare scammers contact people?

A: Scammers use multiple methods:

📞 Phone calls – Often using "spoofed" numbers that appear to be from Medicare, government agencies, or trusted healthcare providers
📧 Emails – Fake messages claiming to be from Medicare or insurance companies
📬 Mail – Official-looking letters requesting personal information
🚪 Door-to-door – Posing as Medicare representatives or health insurance agents
💬 Text messages – Phishing texts claiming you need to verify your Medicare information

Remember: Medicare will NEVER call you unsolicited, asking for personal information. (It is against the law for a medicare advisor to solicit without going through proper procedures.)

A: Scammers use several tactics to trick seniors:

🚨 "Your Medicare card is expiring"
FALSE: Medicare cards don't expire. Your card is valid as long as you're enrolled in Medicare.

🚨 "You need a new Medicare card"
FALSE: Medicare updated cards in 2018 and has no plans to update them again.

🚨 "We need to verify your Medicare number"
FALSE: Medicare already has your information and will never call to "verify" it.

🚨 "You qualify for free medical equipment/genetic testing"
BEWARE: Scammers offer "free" items to get your Medicare number, then bill Medicare for services you never received.

🚨 "This is the Medicare enrollment center"
FALSE: Medicare doesn't have an "enrollment center" that makes unsolicited calls.

🚨 "You'll lose your benefits if you don't act now"
FALSE: Scare tactics to pressure you into giving information immediately

Q: What are common Medicare scam tactics?

A: Red flags that indicate a scam call:

❌ The caller asks for your Medicare number, Social Security number, or banking information
❌ The caller pressures you to act immediately or threatens benefit loss
❌ The caller offers "free" medical equipment, genetic testing, or prescriptions
❌ The caller asks you to pay for your Medicare card (it's always free)
❌ The caller claims your card is expiring or needs to be replaced
❌ The caller asks you to verify information over the phone
❌ The caller ID shows a government agency, but the caller asks for personal info

If you experience ANY of these, hang up immediately!

Q: How can I tell if a Medicare call is a scam?

A: Follow these steps:

1. Hang up immediately – Don't engage with the caller

2. Don't provide any information – Not even your name or address

3. Don't press any buttons – Even to "opt out" or "speak to a representative"

4. Don't call back – The number is likely spoofed or fraudulent

5. Report the scam (see below for reporting instructions)

Remember: It's always safer to hang up and call Medicare directly at 1-800-MEDICARE (1-800-633-4227) if you have questions.

Q: What should I do if I get a suspicious Medicare call?

A: Report suspected fraud to:

Medicare:
📞 1-800-MEDICARE (1-800-633-4227)
🌐 Medicare.gov Fraud Reporting

Federal Trade Commission (FTC):
🌐 ReportFraud.ftc.gov

FCC (for robocalls):
🌐 FCC Consumer Complaint Center

Senior Medicare Patrol (SMP):
📞 1-877-808-2468
🌐 SMPResource.org

Your State Health Insurance Assistance Program (SHIP):
🌐 ShipHelp.org

Q: Who should I contact if I suspect Medicare fraud or a scam?

A: NEVER share:

🚫 Your Medicare number
🚫 Your Social Security number
🚫 Your bank account or credit card numbers
🚫 Your personal health information
🚫 Your date of birth (unless you initiated the call to a trusted source)

The only time you should provide your Medicare number is: ✅ When YOU call Medicare directly
✅ At your doctor's office or pharmacy (in person)
✅ When working with a trusted, licensed Medicare agent like Kim (after YOU initiated contact)

Q: What information should I NEVER give out over the phone?

A: Great question! Here's how to tell the difference:

✅ LEGITIMATE MEDICARE HELP (Like Kim):

• You initiate contact by calling, emailing, or scheduling a consultation

• No pressure – Kim educates you and lets you make informed decisions

• Licensed and verifiable – Kim is a licensed insurance agent, you can verify

• Never asks for payment – Kim is compensated by insurance companies, not you

• Transparent process – Kim explains everything clearly and answers all questions

• Local and accessible – You can meet Kim in person or verify her credentials

❌ MEDICARE SCAMS:

• They contact you unsolicited via phone, email, or door-to-door

• High-pressure tactics – Threats of losing benefits or "limited time offers"

• Unverifiable identity – Spoofed numbers, fake credentials, or no way to verify

• Requests for payment – Asks for credit card, bank account, or "processing fees"

• Vague or confusing – Won't answer questions or provide clear information

• Disappears after contact – No way to follow up or verify legitimacy

Bottom line: If someone contacts YOU about Medicare unsolicited, it's likely a scam. If YOU contact Kim for help, you're in control.

Q: How is working with Kim different from falling for a scam?

A: Yes! Your Medicare number can be used for medical identity theft, which can result in:

💸 Fraudulent billing – Scammers bill Medicare for services you never received
🏥 Incorrect medical records – False information added to your health records
💳 Financial loss – You may be billed for fraudulent services
🚫 Benefit exhaustion – Scammers use up your Medicare benefits
⚠️ Denied coverage – Future claims may be denied due to fraudulent activity

Protect your Medicare number like you would your Social Security number!

Q: Can scammers steal my identity with just my Medicare number?

A: Act quickly:

1. Call Medicare immediately: 1-800-MEDICARE (1-800-633-4227)

2. Report the fraud to Medicare and request monitoring of your account

3. Review your Medicare Summary Notices (MSNs) for fraudulent charges

4. Check your credit reports for suspicious activity

5. File a report with the FTC at IdentityTheft.gov

6. Contact Kim for help reviewing your Medicare plan and ensuring your coverage is intact

Don't panic—but act fast to minimize damage.

Q: What should I do if I accidentally gave my Medicare number to a scammer?

A: Follow these steps:

1. Hang up – Don't provide any information during the call

2. Call Medicare directly at 1-800-MEDICARE (1-800-633-4227)

3. Ask Medicare if they attempted to contact you and why

4. Verify the caller's identity through official channels only

Remember: Medicare will NEVER:

• Call you unsolicited, asking for personal information

• Threaten to cancel your benefits

• Ask for payment over the phone

• Pressure you to make immediate decisions

Q: How can I verify if someone claiming to be from Medicare is legitimate?

A: Yes, but they're rare. Medicare may contact you:

✅ In response to your inquiry – If you called Medicare first
✅ For customer satisfaction surveys – But they won't ask for personal info
✅ For fraud investigation – But they'll verify your identity first, not ask for it

If you're unsure, hang up and call Medicare directly at 1-800-MEDICARE.

Q: Are there legitimate reasons Medicare would contact me?

A: Kim provides:

🛡️ Education – Teaches you how to spot scams and protect your information
📋 Legitimate enrollment – Helps you enroll through proper, secure channels
🔍 Plan monitoring – Reviews your Medicare Summary Notices for fraudulent charges
📞 Direct access – You can always call Kim if you receive suspicious communications
✅ Peace of mind – Work with a trusted, licensed expert instead of risking scams

Kim's goal is to protect you—not just enroll you.

Q: How can Kim help me avoid Medicare scams?

A: Medicare Summary Notices (MSNs) are statements Medicare sends every 3 months showing:

• Services billed to Medicare on your behalf

• What Medicare paid

• What you may owe

Why review them: ✅ Spot fraudulent charges for services you didn't receive
✅ Identify billing errors
✅ Catch medical identity theft early
✅ Ensure you're not being overcharged

If you see charges for services you didn't receive, report them immediately to Medicare at 1-800-MEDICARE.

Q: What are Medicare Summary Notices (MSNs) and why should I review them?

A: Generally, no—but fraudulent activity can still affect you:

⚠️ Your benefits may be exhausted by fraudulent claims
⚠️ Your medical records may contain false information that affects future care
⚠️ You may receive bills for services you didn't receive

That's why it's critical to report fraud immediately and monitor your Medicare Summary Notices.

Q: Can I get in trouble if scammers use my Medicare number?

A: Yes! Scammers specifically target people approaching 65 because:

• They're new to Medicare and unfamiliar with the process

• They're actively researching Medicare options online

• They may be more trusting of "helpful" callers

Common scams targeting new Medicare beneficiaries:

🚨 "Congratulations! You're eligible for Medicare—let's get you enrolled."
Scammers pose as Medicare representatives to steal personal information.

🚨 "You need to pay a fee to activate your Medicare card."
FALSE: Medicare cards are always free.

🚨 "You must enroll in Medicare Advantage or you'll lose coverage."
FALSE: You have multiple options, and no one can force you into a specific plan.

How Kim protects you:
✅ Educates you on the legitimate enrollment process
✅ Helps you avoid scams by providing trusted, verified guidance
✅ Ensures you enroll through official, secure channels

Q: Are there specific scams targeting people turning 65?

A: Do NOT let them in or provide any information.

Medicare representatives do not make unsolicited home visits. If someone comes to your door:

1. Do not open the door

2. Do not provide any information

3. Ask for identification through the door (but don't trust it—scammers use fake IDs)

4. Call the police if they refuse to leave

5. Report the incident to Medicare at 1-800-MEDICARE

If you want in-home assistance, schedule an appointment with a trusted agent like Kim—never accept unsolicited visits.

Q: How can I protect myself from Medicare scams?

A: Follow these best practices:

✅ Guard your Medicare number – Treat it like your Social Security number
✅ Never give personal info over the phone – Unless you initiated the call
✅ Review your Medicare Summary Notices – Check for fraudulent charges
✅ Be skeptical of unsolicited contact – Hang up on suspicious calls
✅ Verify before you trust – Call Medicare directly to confirm any claims
✅ Work with a trusted agent like Kim – Get legitimate help from a licensed expert
✅ Report suspicious activity immediately – Don't wait to report fraud

Remember: If it sounds too good to be true, it probably is.

Q: What should I do if someone comes to my door claiming to be from Medicare?

Don't risk falling for scams—work with a trusted, licensed Medicare expert.

📞 Call Kim: (816) 436-9977

Kim provides:

✅ Verified, legitimate Medicare guidance
✅ Protection from scams and fraud
✅ Education on how to spot red flags
✅ Secure, official enrollment processes
✅ Year-round support and monitoring

Don't navigate Medicare alone—and don't trust just anyone. Trust Kim.

Ready to Get Legitimate Medicare Help?

SCAM ALERTS

🚨 CURRENT SCAM ALERTS

1. Medicare Card Replacement Scam

THE SCAM:
Scammers call claiming you need a "new" or "updated" Medicare card and ask for your Medicare number, Social Security number, or payment information.

THE TRUTH:
✅ Medicare cards are FREE and mailed automatically
✅ Medicare updated cards in 2018 and has NO plans to update them again
✅ Your Medicare card does NOT expire
✅ Medicare will NEVER call you unsolicited, asking for personal information

RED FLAGS:

• Caller says your card is "expiring" or "needs to be replaced."

• Requests payment for a new card

• Asks for your Medicare number, Social Security number, or banking information

• Pressures you to act immediately

WHAT TO DO:
❌ Hang up immediately
❌ Do NOT provide any information
✅ Report the scam to 1-800-MEDICARE
✅ Contact Kim if you have questions about legitimate Medicare communications

2. "Free" Medical Equipment Scam (Back Braces, Knee Braces, Diabetic Supplies)

THE SCAM:
You receive unsolicited calls offering "free" back braces, knee braces, diabetic testing supplies, or other durable medical equipment (DME) "fully covered by Medicare." The scammer may:

• Claim to be from Medicare or a medical equipment company

• Say you qualify for free equipment

• Repeatedly call until you agree

• Ship equipment you didn't order

• Bill Medicare for services you never received

THE TRUTH:
✅ Unsolicited calls about medical equipment are ILLEGAL
✅ Medicare fraud involving DME has cost taxpayers over $6 billion
✅ If you receive unnecessary equipment, Medicare may refuse to pay when you actually need it later

RED FLAGS:

• Unsolicited calls offering "free" medical equipment

• Claims that Medicare "requires" you to have certain equipment

• Equipment arrives at your door that you didn't order

• Repeated calls pressuring you to accept the equipment

WHAT TO DO:
❌ Hang up immediately on unsolicited DME calls
❌ Do NOT accept equipment you didn't order
✅ Return unwanted equipment and document the return
✅ Report the scam to your local Senior Medicare Patrol (SMP)
✅ Review your Medicare Summary Notices for fraudulent charges

3. Genetic Testing Scam

THE SCAM:
Scammers offer "free" genetic testing (often for cancer risk) at health fairs, senior centers, or via phone/mail. They collect your Medicare number and DNA sample, then bill Medicare for expensive, unnecessary tests—sometimes totaling $10,000+ per person.

THE TRUTH:
✅ Medicare rarely covers genetic testing unless medically necessary and ordered by your doctor
✅ Scammers have submitted $359 million+ in fraudulent genetic testing claims
✅ "Free" health screenings at public events are often scams

RED FLAGS:

• Offers of "free" genetic testing at health fairs or community events

• Requests for cheek swabs or saliva samples

• Claims that Medicare covers the test for everyone

• No involvement from your personal doctor

WHAT TO DO:
❌ Do NOT provide your Medicare number at health fairs or public events
❌ Do NOT agree to genetic testing unless ordered by your doctor
✅ Verify with your doctor before accepting any medical tests
✅ Report suspicious testing offers to 1-800-MEDICARE

4. Medicare Open Enrollment Scams (October 15 - December 7)

THE SCAM:
Scammers ramp up activity during Open Enrollment, posing as Medicare representatives or insurance agents to steal your information or sell you fake plans.

COMMON TACTICS:

• "You must switch to Medicare Advantage or lose coverage."

• "Your current plan is being discontinued" (when it's not)

• "Limited time offer—enroll now or miss out"

• Unsolicited calls, emails, or door-to-door visits

• High-pressure sales tactics

THE TRUTH:
✅ Legitimate Medicare agents never make unsolicited calls
✅ You are not required to switch plans
✅ Open Enrollment runs October 15 - December 7 every year—there's no "limited time"
✅ Medicare will never threaten to cancel your benefits

RED FLAGS:

• Unsolicited contact during Open Enrollment

• Claims that your plan is "ending" without verification

• Pressure to enroll immediately

• Requests for payment over the phone

WHAT TO DO:
❌ Hang up on unsolicited Open Enrollment calls
✅ Work with a trusted, licensed agent like Kim
✅ Verify any plan changes directly with Medicare at 1-800-MEDICARE
✅ Schedule a consultation with Kim to review your options safely

4. Medicare Open Enrollment Scams (October 15 - December 7)

THE SCAM:
Scammers ramp up activity during Open Enrollment, posing as Medicare representatives or insurance agents to steal your information or sell you fake plans.

COMMON TACTICS:

• "You must switch to Medicare Advantage or lose coverage."

• "Your current plan is being discontinued" (when it's not)

• "Limited time offer—enroll now or miss out"

• Unsolicited calls, emails, or door-to-door visits

• High-pressure sales tactics

THE TRUTH:
✅ Legitimate Medicare agents never make unsolicited calls
✅ You are not required to switch plans
✅ Open Enrollment runs October 15 - December 7 every year—there's no "limited time"
✅ Medicare will never threaten to cancel your benefits

RED FLAGS:

• Unsolicited contact during Open Enrollment

• Claims that your plan is "ending" without verification

• Pressure to enroll immediately

• Requests for payment over the phone

WHAT TO DO:
❌ Hang up on unsolicited Open Enrollment calls
✅ Work with a trusted, licensed agent like Kim
✅ Verify any plan changes directly with Medicare at 1-800-MEDICARE
✅ Schedule a consultation with Kim to review your options safely

SCAM ALERTS

🛡️ HOW TO PROTECT YOURSELF

Guard Your Medicare Number

• Treat your Medicare number like your Social Security number

• Never give it out over the phone unless YOU initiated the call

• Only provide it at your doctor's office or pharmacy (in person)

• Shred documents containing your Medicare number

Know the Warning Signs

✋ Unsolicited contact (phone, email, text, door-to-door)
✋ Requests for personal information (Medicare number, SSN, banking info)
✋ High-pressure tactics ("Act now or lose benefits!")
✋ Offers that sound too good to be true ("Free equipment for everyone!")
✋ Requests for payment (Medicare cards and consultations are free)

Verify Before You Trust

• Hang up and call Medicare directly at 1-800-MEDICARE

• Work only with licensed, trusted agents like Kim

• Verify any claims through the official Medicare.gov website

• Ask your doctor before accepting medical equipment or tests

Review Your Medicare Summary Notices (MSNs)

• Medicare sends MSNs every 3 months showing services billed

• Check for services you didn't receive

• Report fraudulent charges immediately

• Keep records of all medical services

Work with a Trusted Medicare Expert

✅ Schedule consultations—don't accept unsolicited calls
✅ Verify credentials (Kim is a licensed insurance agent)
✅ No pressure, no payment (legitimate agents are compensated by insurance companies)
✅ Local and accessible (you can meet Kim in person or verify her credentials)

📞 HOW TO REPORT MEDICARE SCAMS

Report Medicare Fraud:

📞 1-800-MEDICARE (1-800-633-4227)
🌐 Medicare.gov Fraud Reporting

Report to Federal Trade Commission (FTC):

🌐 ReportFraud.ftc.gov

Report Robocalls:

🌐 FCC Consumer Complaint Center

Contact Your Local Senior Medicare Patrol (SMP):

📞 1-877-808-2468
🌐 SMPResource.org

State Health Insurance Assistance Program (SHIP):

🌐 ShipHelp.org

File a Complaint with BBB:

🌐 BBB.org/complain

💡 WHAT IF I GAVE MY INFORMATION TO A SCAMMER?

Act quickly:

1. Call Medicare immediately: 1-800-MEDICARE (1-800-633-4227)

2. Request account monitoring to watch for fraudulent activity

3. Review your Medicare Summary Notices for unauthorized charges

4. Check your credit reports for suspicious activity

5. File a report with the FTC: IdentityTheft.gov

6. Contact Kim for help reviewing your coverage and ensuring your plan is intact

Don't panic—but act fast to minimize damage.

✅ HOW KIM PROTECTS YOU FROM SCAMS

When you work with Kim, you get:

🛡️ Education – Learn how to spot scams and protect your information
📋 Legitimate enrollment – Enroll through proper, secure channels
🔍 Plan monitoring – Kim reviews your Medicare Summary Notices for fraudulent charges
📞 Direct access – Call Kim anytime if you receive suspicious communications
✅ Peace of mind – Work with a trusted, licensed expert instead of risking scams

Kim's goal is to protect you—not just enroll you.

🔒 SAFE MEDICARE HELP STARTS HERE

Don't risk falling for scams—work with a trusted, licensed Medicare expert.

📞 Call Kim: (816) 436-9977

Kim provides:

✅ Verified, legitimate Medicare guidance
✅ Protection from scams and fraud
✅ Education on how to spot red flags
✅ Secure, official enrollment processes
✅ Year-round support and monitoring

Don't navigate Medicare alone—and don't trust just anyone. Trust Kim.

Contact Kim for any questions and to secure your Medicare plan!

Need Medicare Education?

Would you like to learn about Medicare history, the parts of Medicare, and how Medicare works? Check out Kim's other site!