Medical Coverage and Benefits

Coronavirus Medical Coverage Scam: How it Works

Many people are bombarded these days with phone calls claiming to be from local medical centers, in regards to the recent scary spread of the COVID-19. This heartless act comes right after the Coronavirus Face Mask Scam that hit on last week. How does it work? Crooks call using automated services, pretend to confirm the continuation of the “annual coverage” of the recipients, and ask them to make a payment that didn’t go through the previous time. Alternatively, the callers let the victims know about a new mandatory prescription that they need to get.

In all cases, criminals exploit the health concerns of the victims and ask for confirmation of their Medicare number and their credit card details. As expected, most of the people who fall for this scam are the elderly, who are scared about their well-being, especially since the COVID-19 is deadly amongst people over 70 if not treated immediately.

The World Health Organization recently released a video explaining what people need to do to protect themselves from getting the Coronavirus. Watch it below:

Now let’s get back to the Medicare Benefits Scam. In a different variation of it, victims receive calls from a fake representative of “AD Medical Advisors” who tries to sell them a prescription drug discount plan or advises them of a problem with their Medicare program. The crook then asks for the bank account number and withdraws $300.

Alternatively, the callers claim to be from the American Heart Association, the National Institute on Aging or the American Diabetes Association.

In the third variation of the medical coverage scam, criminals call seniors claiming to be government officials. They seek personal information in order to process government benefits and use the enactment of the Affordable Care Act to collect names, addresses, and bank account numbers from unsuspecting victims.

The above-mentioned scam occurs usually when there’s a significant change in government policy, or when a relevant topic to this subject is featured in the news. Then it’s easy for scammers to use people’s uncertainty and try to get them to reveal personal information.

In this particular case, the scammer claims the government is preparing to issue national medical cards under the Affordable Care Act and asks the victims for verification of their personal information.

Last but not least, watch out for the following scams targeting seniors: Fake Life AlertFree Medical BraceletsEmergency Call Button For Seniors, and Senior Final Expense Life Insurance Program.

medical coverage for benefits for seniors

Medical Coverage Scam: How To Avoid

Warn your parents and grandparents of this in advance and advise them to tell the callers they’ll call them back. That way they can ring off straight away. Also, don’t forget to register your or their phone number with the Do Not Call Registry List (in the US HERE and Australia HERE), Telephone Preference Service (TPS in the U.K. – here), and DNCL (Do Not Call Line in Canada).

On the other hand, watch the video below to see the 8 most common scams against seniors, exposed:

8 Notorious Scams Against Seniors Video

Last but not least, since we are here to provide you the best information when it comes to legitimate services, you can look for safe Medicare plans during open enrollment by clicking the link.

How to Report the Medical Coverage Scam:

Make your family and friends aware of the Medical Benefits scam by sharing it on social media using the buttons provided. You can also officially report the scammers to the Federal Trade Commission using the link below:

Report To The FTC Here

How to Protect Yourself More:

If you want to be the first to find out the most notorious scams every week, feel free to subscribe to the Scam Detector newsletter here. You’ll receive periodical emails and we promise not to spam. Last but not least, use the Comments section below to expose other scammers.

Recommended Reads:

Medical Alert Systems Reviews

Medical Alert Devices

Hospital Lien Scam

Travel Medical Insurance

Medical Billing Service

FBI News Articles


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Colin P

Just got a phone call telling me all the seniors are getting new medical cards. After I said Yes, he asked me what is the name of my bank. I hanged up right away. The guy sounded like he was in a foreign call centre. Beware!

Ila Berg

Received 3 calls today re: medical cards being sent to seniors they gave the correct number for routing then wanted the following numbers which of course would be my account. I then said no figured it to be a scam & hung up. Each call was by a person 2 males & I female had an accent. It is very hard sometimes for it seems many companies are hiring people with accents. Takes a little while to deter- mine whether it is really a scam for they don’t ask for you checking account # right away. I am a Senior… Read more »


I have gotten a total of fifteen calls all saying they are from a medical health care center. I keep telling them not to call back and they just keep on. One call came from a private number one came from a pay phone and the others do show up.

Michael laufer

I think my estranged aunt Ruby Oconnol-Dobson is involved in one of these scams.
She follows me around from physician to physician with her sick (mentally) sons and then I end up getting places on more medicine for a minor condition.


which website is the real one and which one is the scam. Both of these websites talk about the same thing but the only difference between them are their email, date of the congress and the name of their website. So, I was wondering if you will be able to detect which one is a scam.

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