They say nothing in life is free, but scammers sure love pretending it is. If you or a loved one are on Medicare, beware: A new fraud scheme is making the rounds, tricking seniors into unnecessary genetic testing—sometimes leaving them with massive bills.
Let’s dive into how this scam works and how to protect yourself.
The “Free” Genetic Test Scam
Scammers are contacting seniors, claiming they qualify for a free genetic test to detect health risks like cancer, autoimmune diseases, or medication sensitivities. The catch? These tests aren’t always necessary, and Medicare often won’t cover them—leaving unsuspecting seniors stuck with a bill as high as $11,000.
How It Works
- The Call or Offer – Scammers reach out via phone, mail, online ads, or even in person at health fairs or senior centers, promising “free” genetic testing.
- Fake Telehealth Consultations – They may arrange a virtual meeting with an unfamiliar doctor who approves the test—often without truly evaluating the patient.
- Medicare Fraudulent Billing – The scammers submit claims to Medicare for expensive tests, sometimes without the senior’s knowledge.
- You Get Stuck With the Bill – If Medicare denies the claim, the patient is often left responsible for the cost, which can be thousands of dollars.
Who’s Targeted?
- Seniors on Medicare, especially those concerned about their health.
- People attending senior centers, health fairs, or church-sponsored events.
- Anyone who receives unsolicited calls or offers about “free” medical testing.
Real-Life Example
Maria Alvarez, Executive Director of the New York Statewide Senior Action Council, warns that scammers often pressure seniors by making the tests sound urgent. “The key is that you should always consult with your doctor,” she says. If the test isn’t ordered by your own physician, it’s a red flag.
Why You Should Care
Falling for this scam could lead to:
🚨 Financial Loss – If Medicare denies payment, you could be charged thousands of dollars.
🚨 Medicare Fraud – Your Medicare number could be used for fraudulent billing, leading to identity theft.
🚨 Compromised Medical Records – Unnecessary tests could lead to incorrect or misleading medical information on your file.
How to Protect Yourself
• Never share your Medicare number with anyone who isn’t your trusted healthcare provider.
• Consult your doctor before agreeing to any medical tests or procedures.
• Check your Medicare Summary Notice (MSN) or Explanation of Benefits (EOB) for unfamiliar charges.
• Beware of telehealth consultations with doctors you’ve never met or who rush to approve tests.
• Report suspicious activity to Medicare at 1-800-MEDICARE or the Senior Medicare Patrol.
Quick Tips & Updates
Did you know? Medicare rarely covers genetic testing unless ordered by a doctor for a specific medical reason.
Pro Tip: If someone offers a “free” medical test at a health fair or over the phone, it’s likely a scam. Always verify with your doctor.
Stay Safe, Stay Informed
Scammers prey on trust and confusion. Protect yourself and your loved ones by staying vigilant and questioning any “free” medical offers.
Keyword Definitions
🔹 Genetic Testing Scam – A fraudulent scheme where scammers convince seniors to take unnecessary medical tests, leading to massive bills.
🔹 Telehealth Fraud – Fake or unnecessary virtual doctor consultations used to justify fraudulent medical charges.
🔹 Medicare Summary Notice (MSN) – A statement showing Medicare-covered services and charges; seniors should review it for fraud.
🔹 Senior Medicare Patrol (SMP) – A government-backed organization that helps seniors report Medicare fraud and abuse.
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