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Protect yourself from Medicare scams
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
(Family Features) Having your car professionally detailed is likely to set you back a chunk of change, but with the right supplies and a little spare time, you can get similar results at home.
Whether you’re washing away winter grime or just giving your ride some overdue attention, follow these steps to get your vehicle in tip-top shape.
Assess your vehicle’s condition. If there’s a specific problem you need to address, such as stains or excessive insect buildup on your front bumper, those are areas you’ll want to focus your time, energy and budget.
Purchase the necessary supplies. A car cleaning kit could simplify the shopping process, but you may need to supplement with additional items, such as a spot treater, to achieve the best results. The essentials include a sturdy bucket, washing mitt, soft bristle brush, soft rags, a dust rag, automotive soap, glass cleaner, a vinyl or interior-safe cleanser, vacuum and wax, if you wish.
Empty the vehicle. Removing all your personal possessions provides a blank slate for cleaning and prevents you from having to work around or worry about damaging your belongings. Also remove any elements of the vehicle you may want to clean separately, such as floor mats, console inserts and other removable pieces.
Tackle the interior. Start by removing debris from crevices and wiping away dust and other gunk. Then, with the initial layer of mess removed, go back and wipe down all surfaces using a cleanser. You can also clean the interior windows at this stage, and be sure to wipe down the console, especially if you have a touchscreen that is covered with fingerprints.
Vacuum thoroughly. Using a small vacuum or hose with strong suction, pay special attention to high-traffic areas and spaces where trash and debris tend to settle, such as between the seat and console. The floorboards will likely need the most attention, but don’t overlook the seats, and especially the area where the seat and back meet as this crevice can trap a great deal of dirt.
Clean the floor mats. Chances are good your floor mats rival the exterior for the dirt and grime they accumulate. Depending on how heavily soiled they are, and especially if they’re carpet-style mats, you may want to shampoo them after a deep vacuuming to remove stubborn stains.
Return belongings to the interior. Before you add everything back into your vehicle, take time to wipe down items and sort out any unnecessary clutter. It’s a good time to reorganize your storage areas to be sure the items you use frequently are in easy reach. You can also replenish supplies such as facial tissue and hand sanitizer.
Wash the exterior. Follow the instructions on the product’s label to wash your automobile’s exterior. Pay attention to special requirements such as allowing time for a bug remover to soak. In general, start with a rinse, followed by scrubbing with a mitt then an all-over rinse. Use a chamois towel or other drying cloth to avoid water spots.
Add finishing touches. If you’re using wax or planning on specialty treatments like tire cleaning, those will be among your final steps. Last but not least, clean the exterior windows with glass cleaner to remove streaks and leave them sparkling.
Find more practical vehicle maintenance tips at eLivingtoday.com.
Photo courtesy of Shutterstock
SOURCE:
eLivingtoday.com
(Family Features) Welcoming a new pet is exciting, but preparation is needed to provide a loving home and enjoy the unconditional love.
Prepare your furry friend for a new home with these essential tips for first-time pet owners.
Choose the Right Pet for Your Lifestyle
Consider your living situation, work schedule and personal preferences. Research different breeds to find the one that matches your activity level, living space and family dynamics. Also consider any allergies or sensitivities you or your family may have as some pets may trigger allergies or asthma symptoms.
Set Up Your Home
Before bringing your new pet home, create a safe and comfortable environment. Start by pet-proofing your home, removing any hazardous substances and securing loose wires or cords. Make sure to store cleaning supplies, medications and toxic plants out of reach. Provide a designated space that includes a cozy bed or crate, food and water bowls and toys.
Create a Routine
Establish a consistent schedule for feeding, exercise and bathroom breaks. Determine the appropriate amount and frequency of meals for your pet’s age, size and breed. Spend quality time with your pet daily, providing attention, affection and mental stimulation.
Budget for Your Pet’s Needs
Owning a pet comes with financial responsibilities. Consider the costs of food, grooming, veterinary care, vaccinations and preventive medications. Additionally, factor in the cost of toys, bedding, litter and other supplies.
Find a Reliable Veterinarian
Regular check-ups and open communication with a local veterinarian can help detect any potential health issues early and ensure your pet receives the best possible care. Ask friends, family or neighbors with pets for provider recommendations and read reviews. Visit potential veterinarians’ offices to meet the staffs, tour the facilities and ask any questions you may have.
Find more tips for welcoming a furry friend into your home at eLivingtoday.com .
Photo courtesy of Unsplash
Watch video to find out how!
SOURCE:
eLivingToday.com
(Family Features) If cooler weather has you longing for sunny days outdoors, take heart. Once spring rolls around, you can prepare your yard for months of warm-weather enjoyment with these tips.
Watch video to find out how!
- Clear the Yard
Remove any leaves, rocks or sticks that may have accumulated then cut the grass as short as you can.
- Dethatch
Use a thatching rake to remove dead roots and grass.
- Treat Weeds
Apply herbicide to treat weed-infested areas. Allow the weed killer to work for about a week then rake to remove dead weeds.
- Add Seed and Fertilizer
Depending on your lawn’s needs, overseed or spot seed to fill in thin spots. Use a grass variety that matches your climate for best results. Select and apply fertilizer consistent with your grass type then water thoroughly.
- Clear Garden Beds of Debris
Remove leaves and other matter that piled up in your garden during the cooler months. Gently turn the soil and work in fresh fertilizer.
- Start Planting
Early spring is the time to divide perennials and plant hardier vegetables, such as onions and potatoes. You can also start indoor seeds, if necessary, and move plants outdoors when the weather permits.
Getting some of your lawn and garden care underway now can make those warmer, sunny days feel closer in no time. Find more seasonal tips for prepping your yard at eLivingtoday.com.
SOURCE:
eLivingToday
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