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Protect yourself from Medicare scams

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Learn how to spot and report Medicare fraud

(Family Features) Since 1965, Medicare has provided health care coverage to millions of Americans. More than 65 million people in the United States were enrolled in Medicare as of February 2023, with more people becoming eligible and enrolling each year. Anyone on Medicare is at risk of Medicare-related fraud, and the Medicare program continues to warn people to watch out for scammers who steal Medicare Numbers and other personal information to exploit beneficiaries’ benefits.

Broadly speaking, Medicare fraud occurs when someone makes false claims for health care services, procedures and equipment to obtain Medicare payments. Medicare fraud costs taxpayers billions of dollars and puts the health and welfare of beneficiaries at risk. The impact of these losses and risks is expanding as Medicare continues to serve a growing number of beneficiaries.

“Anyone on Medicare can be a target of Medicare fraud,” said Centers for Medicare & Medicaid Services (CMS) Administrator Chiquita Brooks-LaSure. “But there are steps you can take to protect yourself and your loved ones by using CMS’ fraud tips to recognize and report potential scammers. Let’s all work together to make sure you’re not a victim of Medicare fraud.”

How to Spot Medicare Scams
There are many types of Medicare scams, taking the form of unsolicited emails, phone calls, text messages, social media posts and phony websites. Scammers often claim to be from the Medicare office, an insurance company or a government office. They’ll ask for your personal and financial information, such as your Medicare or Social Security Number, so that they can submit false claims for payment.

Remember that Medicare will never call, text, email or contact you through social media asking for your Medicare Number.

Some common Medicare scams to watch out for include:

  • Offers of “free” genetic testing
  • Calls or emails about free medical equipment, such as a knee brace, walker or cane
  • Solicitations for other services, such as offers of “paid” clinical research trials

While this is not a comprehensive list, these examples give you an idea of how to spot potential Medicare fraud. Scammers will do their best to present these services and products as genuine in exchange for your Medicare Number.

How to Protect Yourself
Now that you know how to spot Medicare fraud, you’ll need to know how to protect yourself from potential fraudsters. Remember to:

  • Guard your Medicare Number just like your Social Security card and credit card
  • Share your Medicare Number only with trusted health care providers
  • Review your Medicare statements, watch for services billed that look suspicious and ask questions if something looks wrong

How to Report Scammers
Reporting Medicare fraud protects you and millions of other people with Medicare and those with disabilities. If you or someone you know have experienced Medicare fraud or suspect an offer you’ve received is a scam, report it as soon as possible. You will never be in trouble for reporting fraud.

To learn more about Medicare fraud, visit Medicare.gov/fraud. To report potential Medicare fraud, you can call 1-800-MEDICARE (1-800-633-4227) or report the scam to the Federal Trade Commission at ReportFraud.ftc.gov.

Information provided by the U.S. Department of Health and Human Services.

Photos courtesy of Getty Images


SOURCE:
Centers for Medicare & Medicaid Services

 

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6 tips to improve sleep quality for overall well-being

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(Family Features) Despite a rising number of people searching for the term “sleep” in 2023, nearly 1 in 3 U.S. adults report not getting enough of it, per the Centers for Disease Control and Prevention.

As a foundation for overall well-being, getting quality sleep is key to achieving goals and being present in daily life. Without it, you’re more likely to lack the stamina and energy to follow through on your ambitions.

To help people realize the foundational role sleep plays in everyday successes, Natrol – a leading sleep, mood and stress supplement brand based on Nielsen data – alongside Dr. Jess Andrade are working together to help people improve their sleep quality and habits so they can conquer their wellness goals this year and beyond.

“From consistent exercise to eating healthy and even daily journaling, it may seem like all your priorities are in order, but without sleep, you won’t be able to reap the full benefits of your hard work,” Andrade said. “Often overlooked, getting quality sleep is a fundamental piece to improving overall wellness and it doesn’t have to be complicated. Creating small, achievable changes in our daily sleep routines can lead to long-lasting lifestyle habits for the better.”

Consider these tips from Andrade to help improve your sleep quality so you can achieve your goals.

1. Prioritize Movement and Light Exposure in the Morning
Whether you’re a yogi or prefer a simple stretch when your feet hit the floor, movement and light during the day can help stimulate quality sleep later that night.

2. Understand Sleep Gains are Just as if Not More Important Than Gym Gains
If you’re focusing on fitness goals, you’ll need adequate sleep to see successful results. If you’re a morning workout warrior, schedule earlier bedtimes to ensure you get the recommended 7-8 hours of sleep. For evening workouts, aim to end your sweat session as early in the evening as possible; too much physical activity before bed can keep you up at night.

3. Make Your Bedroom a Sanctuary
Make your bedroom a sleep sanctuary. Keep the room dark, noise-free and comfortable with the thermostat set at 65-67 F for better sleep conditions.

4. Set Nightly Rituals to Unwind
Create nightly rituals that activate circadian rhythms and allow your body to unwind. Consider activities that relax you the most, like taking a bath, reading a book, journaling or sipping decaffeinated nighttime tea.

5. Try Incorporating a Drug-Free Sleep Aid
If you follow good bedtime habits but still occasionally struggle to fall or stay asleep, try a low-milligram melatonin supplement, like those from Natrol, that are designed to help you get a good night’s sleep so you wake up refreshed and ready to conquer your goals.†

6. Follow the 10-3-2-1-0 method
To help you fall asleep and wake up feeling revitalized, Andrade recommends the 10-3-2-1-0 method: Decrease caffeine intake at least 10 hours before bed. Avoid eating bothersome foods 3 hours prior to heading to off to sleep. Engage in relaxing activities like reading at the 2-hour mark and cut out screentime with 1 hour to spare. Ultimately, these habits can lead to zero times hitting snooze the next morning.

Find more ways to improve sleep habits by visiting Natrol.com.

† These statements have not been evaluated by the Food and Drug Administration. These products are not intended to diagnose, treat, cure, or prevent any disease.


SOURCE:
Natrol

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Find your perfect spring escape

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(Family Features) Whether you’re a family with kids or a young professional looking for a getaway, it isn’t too late – or out of budget – to plan a memorable spring trip. All you need is a full tank of gas and your furry best friend to make an unforgettable getaway.

Data from online travel agency Booking.com shows that half of traveler’s plan to choose vacation destinations where the cost of living is less than their hometowns in 2024. Exploring lesser-known destinations with a variety of outdoor activities, opting for a road trip with your pet rather than a large group and traveling outside of peak season can all help make adventures more affordable.

To help travelers feel confident selecting their road trip destinations this spring, Motel 6, where pets always stay for free, and Bert Sperling’s Best Places recommend these undiscovered destinations that offer sight-seeing, access to dog parks, cultural experiences, green spaces, authentic cuisine, dog-friendly restaurants and affordable lodging.

Santa Fe, New Mexico
Dive into desert culture in Santa Fe with stunning views of the Sangre de Cristo mountains, Pueblo-style architecture, historic landmarks and pet-friendly dining patios. With near-endless activities like shopping for handcrafted jewelry, visiting the Museum of International Art Folk or walking the Santa Fe Plaza, there are entertainment options for everyone to enjoy. There are also plenty of affordable lodging options within walking distance of downtown attractions.

Branson, Missouri
Situated in the iconic Lake of the Ozarks, Branson is a dream small-town getaway for family vacations with a plethora of dining and entertainment options such as Silver Dollar City, Dolly Parton’s Stampede and the Titanic Museum. The city has a dog-friendly culture with plenty of parks and outdoor activities. Located just two miles from many of these local attractions, Motel 6 Branson welcomes the whole family, including those on four legs, at no additional cost. This location also offers amenities like free Wi-Fi, an expansive cable channel selection, a microwave and refrigerator in each room and guest laundry facilities.

Tempe, Arizona
If you’re seeking sunshine and fresh air, look no further than Tempe, a vibrant city located just south of Phoenix. From festivals and outdoor activities like golfing, hiking, kayaking or stand-up paddle boarding on Tempe Town Lake to visiting the Tempe Center for the Arts or local pet-friendly eateries, there are plenty of things to do in the low desert valley.

Chattanooga, Tennessee
For those looking to escape fast-paced city life with an outdoor getaway, Chattanooga is a perfect destination to enjoy outdoor activities, such as exploring Lookout Mountain or walking along the Tennessee River. In a city full of culture and history, visitors can enjoy local artwork at the Hunter Museum of American Art or go sightseeing in the historic Bluff View Art District. As the temperatures rise, embrace the rays at the seasonal pool alongside pet-friendly lodging at Motel 6 Chattanooga.

As you look to plan your getaway, visit Motel6.com to find pet-friendly and affordable lodging accommodations as well as more ideas to point you in the right direction on your spring excursion.

Photo courtesy of Shutterstock


SOURCE:
Motel 6

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Easy ideas to stretch your retirement budget: Ways seniors can save on enjoyable activities

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(Family Features) Retirement may mean you have unlimited time to enjoy each day, but it doesn’t mean you have a budget to match.

You probably already know staying active is essential for aging with grace, so instead of letting limited funds keep you at home, explore some ways you can enjoy your leisure time without breaking the bank.

Hit the Gym
Many fitness centers offer special rates and programs for older adults. Hitting the track or joining a group fitness class are easy ways to socialize while getting some exercise. The discounted membership is also an investment since staying fit is important for physical and mental health.

Enjoy Early Dinner Deals
You can still enjoy dining out occasionally, especially if you take advantage of lower-cost meals designed with older adults in mind. Many specials are for meals earlier in the day, which is consistent with a growing trend toward earlier dining. According to Yelp, the number of people eating from 4-6 p.m. has grown 9% (up to 26% from 17% in 2019). Eating earlier promotes better digestion, and earlier meals are often lighter portions for smaller appetites. For example, Cracker Barrel’s Early Dinner Deals feature smaller portions served from 4-6 p.m. on weekdays. Menu items include a variety of homestyle favorites like chicken n’ dumplins, meatloaf, catfish and more.

Check Out the Library
Your local library is filled with hours of free entertainment, but it’s not just the kind you’ll find from getting a library card. You can undoubtedly find a book that covers any genre or interest you can name, but most local libraries also offer programming tailored to special interests and the sessions are typically offered for free or at a low cost. It’s an easy, affordable way to pick up a new skill, meet a favorite author, learn about a topic that intrigues you and more. Other resources to explore include your library’s DVD collection and internet access if you don’t have a computer at home.

Nurture a Garden
Tending a garden may seem like a seasonal activity, but you can make it a year-round hobby. Researching and planning is a good way to carry your gardening enthusiasm into the cooler months and you can start seedlings indoors to extend your growing season. While you’re digging into this low-cost pastime, remember the results of your efforts, such as fresh fruits and veggies, can help cut your grocery costs, too.

Mind Your Money with DIY
Saving money at the grocery store is just one way you can make DIY projects work for you. There are dozens of other examples of ways you can put your skills and interests to use by passing time doing something you enjoy while benefiting your bank account. If you like to tinker with cars, figure out what repairs you can handle yourself and avoid hefty service fees. Crafting and sewing might mean you have ready-made gifts for special occasions and a way to repair or repurpose damaged clothing instead of discarding it.

Ask About Discounts
You may be surprised by how many places offer discounts for older adults that they don’t readily advertise. In some cases, you’ll find the information on their website or signage, but other times, you may find it easier to just ask. When you’re booking an appointment or checking out, inquire about discounts for older adults, including any restrictions, age requirements, the amount of the discount and other pertinent details. Sometimes the discounts are offered on certain days or for specific services, or they may require you to join a loyalty club to access the discounts. When dining out, many restaurants offer a variety of loyalty perks. Rewards members at Cracker Barrel can earn points, or “Pegs,” on qualifying restaurant and retail purchases. Members can also take advantage of bonus birthday, anniversary and surprise rewards throughout the year.

To find a location near you, visit crackerbarrel.com/locations.

Photo courtesy of Shutterstock (Couple gardening)


SOURCE:
Cracker Barrel

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