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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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Handy ways to jump start productivity in your workspace

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(Family Features) Designing a project workspace can take your creativity to new heights. Whether you’re into woodworking, metalworking, building models or repairing bikes or tools like chainsaws, having the right space allows you to focus on creating and enjoying each project to the fullest.

Completing a job to your satisfaction requires the right tools, equipment and resources to get the job done. Set up a workspace that lets you explore your passion with these tips from the DIY pros at Work IQ Tools:

Identify your needs. Every project comes with a unique set of tools and requirements for success. Make a list so you can ensure you account for every detail.

  • Determine if a large, flat workspace is required or floor space is better suited.
  • Balance comfort and craftsmanship by choosing a stable chair or rolling chair or decide if working on your feet is more practical.
  • Decide exactly how much space you realistically need.
  • Assess your access to adequate power sources.
  • If you’re using paints and varnish or other odorous substances, ensure there’s proper ventilation.

Invest in the right equipment. Having the right tools allows you to work faster, easier and smarter. Incorporating a solution like the IQ Vise System is like having a built-in problem solver with smart features that improve functionality and capability. The vise features a ball and socket design that allows articulation and 360-degree rotation at any angle for optimal work positioning while complementing task-specific jaws are crafted to create the perfect grip for an extensive range of shapes and materials.

Plan for storage. Keeping all your parts and pieces neatly organized means they remain in good condition until you need them, and you can find what you’re looking for easily. When you’re planning your storage needs, think about the space you need at every stage, including how you’ll protect a project that is in progress when you step away from your workspace.

Light it up. A well-lit workspace gives you the visibility you need to complete each project to your satisfaction. Overhead lights rarely do the trick for hands-on work, so plan to add task lamps to your work area. Look for models with features that match your hobby needs, such as dimming capabilities and goose necks that allow you to position the lights just right.

Remember safety. Different projects require distinct protective gear, but virtually all DIYers can benefit from some basic safety precautions. At the least, keep a first aid kit handy for nicks and cuts, but also consider safety glasses, gloves, ear protection and other gear that can help protect you while you work.

Find more useful tools to create a functional project workspace at workiqtools.com.

Workshop Assistants to Get the Job Done

No matter your craft or hobby, you can find plenty of tools and accessories that make it easier to navigate the intricate details of each project you tackle. Consider these IQ Connect plug-and-play workshop accessories that provide hands-free assistance where and when needed on the IQ Vise and around your work area via three additional mounting options.

Work Light: Task lighting helps illuminate dark or shadowed areas so you can see the tiniest details. A hands-free, 180-lumen work light that mounts in a magnetic holder, bench mount or clamp mount can add extra versatility. Rechargeable and featuring multiple light settings, it’s always ready and adaptable to your needs.

Magnifying Glass: Many hobby projects require intricately detailed work that’s difficult to see with the naked eye, whether it’s a minute piece of your project or the fine print on a tool. Look for a magnifying glass that’s at least 5 inches in diameter with at least two levels of magnification and an adjustable frame so you can get the angle just right.

Cell Phone Holder: A smartphone is often a hobbyist’s most valuable tool since you can use it to look up information, scan for design inspiration, record your process or add entertainment to your work session. An adjustable hands-free holder lets you get the positioning just right while giving you the freedom to tackle the tasks at hand.



SOURCE:
WorkIQ

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Turn your tax refund into a new ride

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Make a major purchase more manageable

(Family Features) With tax refunds starting to flow in, many people are considering ways to invest their money.

If you’re looking to purchase a vehicle, putting your tax refund toward a down payment on a used car can be a smart financial decision for several reasons – from reduced interest rates on your loan and shortened loan terms to lower monthly payments – and the timing is right to take advantage of improving market conditions. Consider this information to help make an informed buying decision.

Lower Your Monthly Payment
The more you can invest in the down payment of a vehicle, the lower your monthly cost will typically be and the less interest you will typically pay over the length of the loan. This can lead to smaller, more manageable monthly payments.

A significant down payment can also help offset higher-than-average interest payments and could lead to a shorter term, meaning less total accrued interest. An auto loan calculator can show you how a down payment can affect interest charges.

More Affordable Vehicle Options
Used car prices have been trending downward month-over-month, according to the Bureau of Labor Statistics’ consumer price index. These decreases in used car prices are helping offset higher than normal interest rates. The average sales price for a pre-owned vehicle through Enterprise Car Sales, for example, is approximately $21,000 right now, compared to average new car prices, which are hovering around $44,000.

Vehicle inventory is improving along with an increase in consumer demand for cars, which makes now an attractive time to buy. Many used car sellers feature inventory that is readily available so you can select from options you know are in stock, including different makes and models with a wide range of different features that can offer more affordable options.

“We have a large inventory of vehicles across the country currently priced under $20,000,” said Mike Bystrom, vice president of Enterprise Car Sales. “There are several considerations to keep in mind when shopping for a vehicle, and there is no one-size-fits-all approach. Consumers should weigh their options, but the one thing they shouldn’t compromise on is receiving great customer service.”

Protect Your Purchase
Ensuring your purchase is protected is also a smart financial decision. Take advantage of dealers that offer additional benefits to help protect your purchase and provide peace of mind that your tax refund has been well spent.

Look for a used vehicle that has passed an inspection by an ASE-certified technician and comes with a limited powertrain warranty, as well as extra coverage options such as roadside assistance and a return policy up to a certain amount of days or mileage.

With a little research and careful planning, you can find a reliable used car that meets your needs and puts your tax refund to good use. Visit enterprisecarsales.com for more information.


SOURCE:
Enterprise Car Sales

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Get ready to grill: Choosing the right outdoor cooking solution

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(Family Features) Warmer temperatures and sun-filled days mean it’s time to take entertaining and socializing outdoors, and a key component of many outdoor gatherings is fresh-grilled food.

Because firing up the grill can make prepping meals quick and easy, it allows you to spend more time with friends and family rather than missing out on the sunshine while stuck in the kitchen. Whether you’re a first-time griller or consider yourself a master of the grates, there’s a grill available to meet your skill level and needs, such as these options that provide flexibility for small-to-midsize backyard spaces – as well as a large built-in model for custom outdoor kitchens – and a variety of features and function to make the most of your warm weather gatherings.

Portable, Small-Space Cooking

Ideal for first-time grillers, couples, small families or those with limited backyard spaces, the Megamaster 3-Burner Gas Grillwas designed to fuse performance and value. Despite its size, it can cater to almost any grilling or entertaining need with three stainless steel burners and 447 square inches of cooking space, a combination of versatility and capacity to prepare large quantities of food as well as various types of food simultaneously. Plus, it’s easy to maneuver on two heavy-duty wheels, making it simple to free up patio space after use. Learn more at megamaster.com.

Family-Sized Functionality

With ample cooking space to feed small and medium-sized groups, the Nexgrill 4-Burner Gas Grill with Side Burner is a perfect all-around grill for both beginners and seasoned grilling enthusiasts. Always ready to fire up some flavor, the durable grill also features a stainless steel side burner to saute, simmer and warm dishes simultaneously as well as 628 square inches of cooking space, meaning family favorites like burgers, dogs, chicken and more can be put on the table quickly. Find more information at nexgrill.com.

Elevate Your Outdoor Kitchen

If your outdoor living area includes enough space, you can elevate the outdoor cooking experience with an outdoor kitchen. Put a premium, built-in grill like the Spire 6-Burner Built-In Grill at the center of your custom, luxurious entertaining space. This dual-fuel, stainless steel gas grill features 904 square inches of cooking space and 73,000 British thermal units of cooking power across six main burners and an intense-heat ceramic rear burner, producing restaurant-quality sear marks and exceptional heat retention. Visit spireoutdoor.com to learn more about the durable, high-performance grilling solution.


SOURCE:
Megamaster

Nexgrill

Spire

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