The Medigap insurance scam is simply another example of spam intended to lure those in need of a service into a financial trap. Within the past week alone, I’ve received about fifty of these emails and they all follow a similar pattern.
Medigap Coverage Information for my email address listed.
Due to the Healthcare Reform Act, healthcare carriers are now offering savings of 40% on Medicare Coverage.
Cigna Medicare Options
Less than $34/mo.
Receive savings from top national providers including UnitedHealthcare, AARP, Aetna, Humana, Cigna.
Go here to submit your Zip to Save 39% on Medicare Insurance. link to website given here
What is Medigap insurance?
Medicare defines a Medigap policy as “a type of private insurance that helps you pay for some of the costs that Original Medicare doesn’t cover.” If you’re interested in buying a real Medicare supplement policy, you should first take a look at Medicare’s Choosing a Medigap Policy pamphlet. It’s available as a free download from Medicare.
Recognizing the Medigap insurance scam
- Try scrolling to the bottom of the email. Every version I received had a single paragraph of text at the bottom. Topics in that text ranged from recommendations on places to stay, great gluten-free deserts, and other wildly unrelated subjects.
- Look at the “From” address. It will be named something like “Cigna.Medigap-Benefits939”, “AARP Medicare”, or “Aetna_Medigap_Coverage384.”
- Your email program should let you view the email address of the sender, which will most likely come from domain names such as “innmedicalcarethug.us”, “groundmedicareplan.us”, or “healthcarepork.us.” Note that all of these are “.us” domains, which should be a clue that this is not a mainstream company.
- Most of the emails will have a short deadline. This is a standard ploy used by scammers to force you into making a decision without thinking through their offer.
Avoiding the Medigap insurance scam
As always, never click a link in an email that is from someone you don’t know. Also, if you do decide on Medigap insurance, be sure you’re dealing with a reputable company. You can always run a check on medicare supplement brokers and insurance companies at bbb.org.