If you agree, scammers will either steal your information or use it to bill Medicare for the test. How You Can Spot a Medicare Flex Card Scam - AARP is the medicare flex card legit. Scroll through 2023 ApexHealth benefit highlights to discover what we mean when we say, "Discover the ApexHealth Advantage for 2023. Low Income Relief 107K subscribers 67K views 1 year ago UNITED STATES Have you heard about the $2,880 flex cards for seniors? The most common Medicare scams are perpetrated through phone calls and emails. One of the most common Medicare scam calls occurs when fraudsters claim that new Medicare cards are being issued and your current one is invalid.. ","acceptedAnswer":{"@type":"Answer","text":"Flex cards are debit cards that have usage in purchasing medical supplies and equipment. To obtain a flex card, seniors should first check with their health insurance provider to see if their plan includes this benefit. document.write('Yu cu nh dng Thay th'); https://www.youtube.com/watch?v=nE49VLFfXO8---CHAPTERS---00:00 Intro00:37 Warning about Medicare Scams01:22 Flex Card for Seniors02:00 What is a Flex Card?02:27 Why Seniors are Being Targeted02:59 Legit Flex Card Offers03:40 WARNING FOR SENIORS 04:22 How to Protect Yourself from Medicare Scams06:04 Captive vs. ---TRANSCRIPT TRUNCATED--- William Rivers is an editor with a masters degree in Human Services Counseling at Maine State University. Mon Fri 8:00 am 6:00 pmSat available upon request, #kt-layout-id_9602b8-19 > .kt-row-column-wrap{align-content:start;}:where(#kt-layout-id_9602b8-19 > .kt-row-column-wrap) > .wp-block-kadence-column{justify-content:start;}#kt-layout-id_9602b8-19 > .kt-row-column-wrap{column-gap:var(--global-kb-gap-md, 2rem);row-gap:var(--global-kb-gap-md, 2rem);padding-top:25px;padding-bottom:25px;padding-top:0px;padding-bottom:0px;grid-template-columns:minmax(0, 1fr);}#kt-layout-id_9602b8-19 > .kt-row-layout-overlay{opacity:0.30;}@media all and (max-width: 1024px){#kt-layout-id_9602b8-19 > .kt-row-column-wrap{grid-template-columns:minmax(0, 1fr);}}@media all and (max-width: 767px){#kt-layout-id_9602b8-19 > .kt-row-column-wrap{grid-template-columns:minmax(0, 1fr);}}, Copyright 2022 Medicare Solutions Teama division of LJM Insurance Agency Ltd. Medicare has not reviewed or endorsed this information. If an offer seems too good to be true, it probably is.. The purpose of the flex card for seniors is to entice them into enrolling in new Medicare Advantage plans during open enrollment season. document.write('Mga Kahilingan para sa Alternatibong Format'); Medicare does not issue the flex card. Yes, absolutely, there are several alternatives that you can look into: By exploring these alternatives, you may be able to find a legitimate way to save on your healthcare expenses that better fits your individual needs and circumstances. Not everyone in a Medicare Advantage plan will qualify for a flex card. // Many seniors are confused by the idea that original Medicare is offering these cards, which as Ive already said, they do not. How can you protect yourself from scammers and bad actors? Read More. } The average beneficiary gets about $500 each month and can only use it for approved items related to their medical needs. Most respectable organizations will ask . That's the case with recent fraudulent activity involving Medicare flex cards, the prepaid debit cards available only through some private Medicare Advantage plans. Read More. Here are some tips to help you determine if a Medicare Flex Card is legitimate: By taking these steps, you can help ensure that any Medicare Flex Card you sign up for is legitimate and can actually provide the savings and benefits youre looking for. There are commercials on television, ads on social media, and radio programs. else if (languages === "Vietnamese") { [CDATA[// >Fact Check: All Senior Citizens CANNOT Get Free $3,500 Grocery Card No, Medicare Advantage plans are offered by private insurance companies, who may or may not offer flex cards as a supplemental benefit. The card should be swiped through the scanner at the provider location using the credit card/debit card option as they dont have any transaction fees or pin codes. The score you receive with Aura is provided for educational purposes to help you understand your credit. These cards are only available to Medicare beneficiaries who are enrolled in a Medicare Advantage plan. Medicare Flex Card As A Legitimate Supplemental Card. Have you wondered. 31. document.write('Presente una Queja ante la FCC'); ", Scroll through 2022 ApexHealth benefit highlights to discover what we mean when we say, "Welcome to a new you kind of Medicare.". After years of living under the care of your parents and other family members, the time will arrive for you to reciprocate. Learn about realistic spending limits, permitted expenses and participating plans. There is no government flex card for seniors on Medicare. Give us a call at (844) 279-0508 (TTY: 711) to speak with a licensed representative or an ApexAssistant. Additionally, you must be eligible to enroll in the Federal Employees Health Benefits Program (FEHB), though you do not really need to be enrolled in FEHB. Para espanol, View all post by Esther C. Kane, C.D.S. By understanding the benefits and usage of the card and implementing safeguards, Medicare beneficiaries can enjoy the flexibility and convenience the Medicare Flex Card offers. People need to be aware of these dangers and be careful when interacting with strangers during this time. Further, any testimonials on this website reflect experiences that are personal to those particular users, and may not necessarily be representative of all users of our products and/or services. In actuality, Medicare already has your card number on file and doesnt need to call. Watch out for the Natural Health Sherpa Scam, which is happening this week. Is the Medicare food allowance legitimate? Many consumers have written us about a potential Bio X4 Supplements scam. Scams. Although flex cards do come pre-loaded with a set dollar amount you can use, the benefits of this money may be offset by additional out-of-pocket costs such as higher deductibles, higher coinsurance rates, and higher monthly premiums. You may cancel your membership online and request a refund within 60 days of your initial purchase date of an eligible Aura membership purchase by calling us at 1-855-712-0021. By reading the above article, you will know whether your flex card is legitimate. June 13, 2023 Fraud Is Medicare Calling You? Read these ZoPoo colon cleanse reviews. Still, they must do soby September 30. Here is how it works: Do you trust the medical alert systems reviews? It provides eligible beneficiaries with grocery funds issued through prepaid debit cards - commonly called flex cards - for the purchase of healthy food, produce, over-the-counter medicine and . , Another common Medicare scam call involves fraudsters claiming that your Medicare is about to be canceled unless you verify your identity., Once youre on a phone call, the scammer will ask you for information, including your:. Related: What Happens If You Call Back a Spam Number? I interviewed 10 older adults (ranging in age from 67 to 83) in my neighborhood. Sadly most are not a $900 benefit. Flex cards are only available through specific Medicare Advantage plans offered by certain private insurance carriers. Its that time of year when Medicare advertising starts to appear on your television, mobile, and computer screens. The cards in the advertising are distributed by private Medicare Advantage programs, not by Original Medicare. You get 2.5 more months to spend the left-over money. Never give anyone claiming to be a Medicare sales representative your name, address, Medicare number, Social Security number, bank account information, or other identifying information. The closest is a program that provides "special supplemental benefits for certain people who are chronically ill," a Centers for Medicare & Medicaid Services spokesperson told Lead Stories. You can visit theFSAFEDS websiteor call 1-877-FSAFEDS (372-3337) or 1-800-952-0450 to enroll in the program. If you unfortunately lose or destroy your Medicare flex card, you can seek a replacement through your personal Social Security account. Also, Medigap plans (supplement plans) do not offer a flex card. Read More, Buy Tramadol Online Scam: How It Works (with video below) If you want to buy Tramadol online, be extremely careful. Usually, the majority of scammers for this come out during the Medicare enrollment period for Medicare which is between October 15th and December 7th every year. There are also many websites that have affiliate relationships with various Medicare Advantage providers, which means they get a commission if they can lure you into a sale and although they arent technically scammers, some of them dont mind playing dirty and being deceptive in their advertising. If you just received an invoice referencing the company. Does Medicare offer free flex cards for seniors? For example, the flex card can be used for the following expenses: During the annual Federal Benefits Open Season in November and December, eligible employees can enroll in FSAFEDS. They say every ok ne 55 and older qualify. Medicare Food and Grocery Allowance Benefits - RetireGuide We are a participant in the Amazon Services LLC Associates Program, an affiliate advertising program designed to provide a means for us to earn fees by linking to Amazon.com and affiliated sites. Scammers can be extremely convincing. Instead, it extends dental and vision coverage already provided by your plan. These cards are pre-loaded with a set amount of funds to pay for eligible expenses. document.write(' '); // Here are answers to seven questions about Medicare flex cards. And also metion where you found information about free 2021 Flex card for seniors over 65 years. The $2,880 flex cards for seniors are actually a health insurance marketing strategy aimed to entice seniors to switch to specific Medicare Advantage plans. Dont feel pressured into giving up your information. First, let me say that Medicare does not offer a free flex card, or any flex card for that matter. To be eligible for carryover, you must be employed by an FSAFEDS-participating agency and actively making allotments from your salary from January 1 to December 31 of the previous benefit period. Youre sent a free at-home test. document.write(''); This looks like the beginning of a beautiful friendship. ","acceptedAnswer":{"@type":"Answer","text":"A flexible spending account, or flex card, is a type of flexible spending account that reimburses medical expenses. Medicare Food Allowance and Grocery Benefits | Medigap.com For more information visit. The Apex PayFlex MasterCard provides you with an annual allowance (through a MasterCard debit card) that you may use to help pay for transportation to/from any health-related facility or certain vision and/or dental services. In this video, were going to answer some important questions, including: Is the flex card for seniors legit? Health insurance is complicated enough without worrying about these bad actors, but its something we have to always be vigilant about.Now lets talk about those flex cards. Most Medicare plans do not have the Flex card but there are certain Medicare Advantage Plans that do offer such benefits. Scammers will claim that the services are free, when really theyre using your information to steal from Medicare. SeniorSafetyAdvice.com is a helpful resource for caregivers and seniors who are aging in place and/or looking to make their home environment as safe and easy as possible. Im Nicole from Low Income Relief, where we help millions of people save money and get free stuff. Do not interact if they approach you or contact you first. The Flex Card Is A Scam? - Deceptology The caller claims you need a new Medicare number and card but doesnt know your current card number. If someone asks you for your information, for money, or threatens to cancel your health benefits if you don't share your personal information, hang up and call 1-800-MEDICARE (1-800-633-4227). However, its important to note that Medicare Advantage plans often have strict networks and higher out-of-pocket costs, so you should ensure that your physicians are covered by the plans network. else if (languages === "Vietnamese") { Yes, Medicare flex cards offered by Medicare Advantage plans are legitimate. Additionally, Flex card is believed to be issued by Medicare plans, but Medicare does not provide Flex cards to seniors. Talk to one of our licensed Medicare supplement agents about the options available to you in your area. "}},{"@type":"Question","name":"Is the Medicare Flex Card legitimate? In this video you'll. , If scammers know that you have a specific health condition such as diabetes they might contact you with a scam call offering free medical supplies or even prescription drugs.. The annual allowance available on your Apex PayFlex MasterCard is determined by the plan you choose. } It allows users to access pre-tax funds set aside for eligible medical expenses such as deductibles, copayments, and prescriptions. What can seniors purchase with a flex card? As a result, it is not a senior program that the government runs. I keep hearing about a flex card for help with food bills. MyBenefitsKeeper Reviews and Health Insurance Innovations Scam Complaints Beware, the best medical alert systems for seniors never come with a hook. Independent Agents07:04 How to Find Help with Medicare---ABOUT US---Low Income Relief is a free information service that connects low income people across America with benefits, programs and resources in their local communities. If you have any questions about Medicare flex cards or whats new for ApexHealth in 2023, feel free to reach out to Concierge Services. Medigap plans, which are offered by private insurance companies, serve as a direct extension of Original Medicare. Scammers can use your Social Security number to steal your identity or worse. She practiced OT in Florida, Georgia and North Carolina for 10 years. A Flex Card can be a great additional benefit provided by your health insurance plan. Its not legitimate. Well, Ive got answers. Still, they must do soon or by September 30. One such card, the Medicare Flex Card, has been a topic of discussion, with many questioning, Is the Medicare Flex card legitimate?. [CDATA[// > The good news is, here is how to tell if a Medicare website is fake or any other type of site. The Federal Flexible Spending Account Program (FSAFEDS) enables Federal employees to save money on eligible health care (HCFSA) and dependent care (DCFSA) expenses through tax-advantaged flexible spending accounts. The funds can be used to help pay for dental, vision or hearing needs beyond your plan. Always verify the card's authenticity and the provider's credentials before enrolling in any plan. There are certain spending limits for Medicare Flex cards set by the plan and insurance carrier. Its also worth noting that flex cards may not be available in every state or with every carrier. Many. We do not claim, and you should not assume, that all users will have the same experiences. document.write(' '); Why are Medicare scams so common? Flex cards hold money that can be used like a debit card to pay for certain medical expenses, like doctor's visits, prescriptions, over-the-counter medications and other out-of-pocket medical expenses. Basically, I would say that if you are being contacted, hang up and do not accept the offer. Watch out for the new. document.write('Maghain ng Reklamo sa FCC'); document.write('Solicitudes de formato alternativo'); But, in order to receive your new card (and maintain your Medicare coverage), you need to provide your personal information, such as your SSN or Medicare card number. Its always good to do some research before providing any personal information. In contrast, Medicare Supplement plans enable beneficiaries to save money while still receiving the benefits necessary to reduce the costs of Original Medicare. No, the original Medicare plan does not offer a flex card program. Basically, its a prepaid debit card that can be used to cover costs like doctor visits, prescription drugs, and other related expenses. The card can be used at approved merchants and healthcare providers. 1 through Sept. 30 and seven days a week 8 a.m. 8 p.m. (local time) from Oct. 1 through Mar. They often try to steal peoples personal information or sell them bogus health insurance plans by collecting their personal and financial information. Employees who are eligible can enroll outside of Open Season within 60 days of a Qualifying Life Event (QLE), such as marriage or birth. Flex cards are typically linked to a flexible spending account, which is a special account that can be used to pay for eligible healthcare expenses. What is it? It is also known as the Free Skin Cancer Screening Scam. They will only use it against you and take advantage when they have access or knowledge that can financially harm someone, so beware! He excels in creating content across different industries. Medicare Flex card holds numerous benefits, especially for seniors. Some of the marketing material out there sells the Flex card Medicare program as much more than it actually offers. The range of schemes could be: Medicare scam calls, Medicare genetic testing, bogus medical alert systems, Medicare Advantage scam, fake medical alert devices, Medicare Coverage Helpline scam, and many other types of Medicare abuse. A customer service representative from 1-800-MEDICARE can call you if youve called and left a message (or received a letter informing you that someone will call you). Eligibility & Requirements, BlueCare Plus Flex Card For Seniors: A Comprehensive Guide, Papa Murphy's Senior Discount: Deals, Offers, And Details, Ross Senior Discount: Eligibility Requirements And Policy. And you're wondering - is it real or is it a scam? Hypertension. Why they dont advertise (at least clearly) is that the flex card is not associated with Medicare at all. A Flex Card is a type of payment card used for flexible spending accounts (FSAs) or health reimbursement arrangements (HRAs). Many of these companies are fraudulent or are misrepresenting their benefits to try and get you to pay more., Youre contacted by someone claiming to be a Medicare representative during the open enrollment period. Finally, the amount of money you might be able to get on a flex card depends on where you reside and whatever plan you choose. What Is The Medicare Grocery Benefit and Who's Eligible? Is the Senior Flex Card Legitimate?

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