Learn How to Avoid and Report Medicare Fraud
Billing Medicare for services that were never received constitutes Medicare fraud and is punishable by law. Of course, Medicare billing errors can also happen, and although these may not constitute Medicare fraud, they can still cost you money, so it's important for you to learn how to detect Medicare fraud and Medicare billing errors and what to do in such situations.
Avoid Medicare billing errors
Medicare billing errors can sometimes happen. For example, the doctor's office staff may use the wrong code on a Medicare claim or even place the wrong patient name on a claim. These Medicare billing errors are usually innocent and generally do not constitute Medicare fraud, but they can still cost you money, so it's always a good idea to check your payment notice carefully.
Whenever Medicare or your private insurance company pays a claim for health services, it will send you a notice explaining your benefits. This notice describes the service you received along with a special code used for that particular service. The notice also shows the total amount charged, how much the insurance paid, and your share of the total cost. If you think the description or the amount charged is a mistake, inform your doctor immediately. Someone in the office will revise the notice and either explain the issue or submit a correction if there was a Medicare billing error.
What is Medicare fraud and abuse?
There are some individuals, however, who intentionally abuse or defraud the Medicare system. An example of Medicare fraud is when someone uses another person's Medicare card for health-care services or supplies. Medicare fraud could also involve a health-care provider billing an insurer for services you never received or for equipment that has been returned. This type of Medicare fraud and abuse costs the Medicare system millions of dollars each year, often resulting in higher premiums for Medicare beneficiaries like you.
How to prevent Medicare fraud
Medicare takes action to ensure it only does business with doctors and suppliers who provide quality health care. The Centers for Medicare and Medicaid Services (CMS), which administers Medicare, also works with federal agencies like the Department of Health and Human Services Office of the Inspector General, the FBI, and the Department of Justice to prevent and detect Medicare fraud and Medicare abuse. As a Medicare beneficiary, you can also help prevent Medicare fraud and abuse by doing the following:
- Give your Medicare card or claim number only to your doctor or health-care providers. Never give it to anyone else.
- Never let anyone but medical professionals who are caring for your health see your medical records.
- Never ask your doctor for a medical service or supply that you do not personally need.
- Be wary of free medical services, especially when asked to provide your Medicare card. Understand the difference between "free" and "no copayment" for some services such as preventive care or flu shots.
- Be wary of providers who say that the more tests they perform, the cheaper they are. Also be cautious of offers for gifts (monetary or otherwise) to go to a specific clinic or office.
- Avoid providers who use telemarketing and door-to-door sales or who pressure you to buy high-priced medical services.
- Be suspicious of providers who routinely waive copayments, unless your plan specifically waives it. Conversely, be suspicious of providers who charge a copayment for a service where the copayment should be waived.
- Know that the federal government and Medicare do not endorse any health-care provider. Be cautious of anyone who claims otherwise.
- Understand exactly what Medicare or your insurance plan cover, and be cautious of anyone who claims they know how to get Medicare to pay for a certain service.
How to report Medicare fraud and abuse
If you suspect Medicare fraud or abuse, report it to the Office of the Inspector General. Provide as much information as possible, including the suspected Medicare fraud and/or the abuser's name, address, and telephone number to help the investigation. You can do any of the following:
- Call 1-800-HHS-TIPS (1-800-447-8477) (TTY users 1-800-377-4950).
- Send an email to HHSTips@oig.hhs.gov.
- Mail a letter to Office of the Inspector General, HHS Tips Hotline, P.O. Box 23489, Washington, DC 20026-3489.
You can also report Medicare fraud and abuse to CMS:
- Call 1-800-633-4227 (TTY users 1-877-486-2048)
- Mail at a letter to Medicare Beneficiary Contact Center, P.O. Box 39, Lawrence, KS 66044.
Medicare Advantage Plans, sometimes called "Part C" or "MA Plans," are offered by private companies approved by Medicare and provide Medicare Part A and Part B coverage. Medicare prescription drug coverage is insurance run by an insurance company or other private company approved by Medicare. A Medicare Supplement plan is a health insurance plan provided by a private company that fills in the "gaps" in original Medicare coverage.
Medicare has neither reviewed nor endorsed this information.
To learn about Medicare plans you may be eligible for, you can:
- Contact the Medicare plan directly.
- Call 1-800-MEDICARE (1-800-633-4227), TTY users 1-877-486-2048; 24 hours a day, 7 days a week.
- Contact a licensed insurance agency such as PlanPrescriber's parent company, eHealth.
- Call eHealth's licensed insurance agents at , TTY users 711. We are available . You may receive a messaging service on weekends and holidays from February 15 through September 30. Please leave a message and your call will be returned the next business day.
- Or enter your zip code where requested on this page to see quote.