Update #4 (Scams & Ads)

✅ Quick checklist (for your fridge)

1.  🔲 If contacted about a switch, I will call/email my agent Joann first:
   • Phone: 1-888-411-1329
   • Email: service@remedigap.com
2. 🔲 I will not give my Medicare or Social Security number to a cold caller
3. 🔲 I will not agree to any change over the phone
4. 🔲 I will contact my agent if I don’t recognize the caller.

We’re here to protect your coverage & your pocketbook. If anything about an ad, call, or mailer feels confusing or rushed — call us first. A quick check with us can prevent mistakes & keep your coverage safe.

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Protect Yourself Reminders

0. Simple actions to protect yourself

• Add our agency phone & email to your contacts so calls from us look familiar: 1-888‑411‑1329 • service@remedigap.com.
• Let unknown calls go to voicemail — only return calls to numbers you verify.
• Keep a file of any plan mail or emails and forward questions to us before acting.

1. Pause & contact us

• If you’re contacted about anything Medicare related, don’t agree to anything. Call or email us first: 888‑411‑1329 • service@remedigap.com.
• We will check, verify, & tell you if it’s a good idea for your situation.

2. Know the difference between plan types (why it matters)

• Part D (Prescription drug): These plans can change every year during AEP (Oct 15–Dec 7). Premiums, drug lists (formularies), Tiers, and pharmacy networks can all change.
• Medicare Supplement (Medigap): This is the plan you have. It fills gaps in Original Medicare (deductibles, Coinsurance), no networks— you can shop Medigap year‑round, & you keep Original Medicare access to your doctors.
• Medicare Advantage (Part C): Replaces Original Medicare & has plan networks and rules. This is not what you have. These are the plans that the vast majority of ads are for.

3. Red flags in ads, calls, or texts

• “You must act now” or “limited‑time” pressure tactics
• Requests for your Medicare number, Social Security number, or bank info over the phone
• Promises that sound too good to be true (guaranteed approval, free drugs with no conditions)
• Calls labeled as “Medicare” or “agent” but isn’t from Joann or Michael from REMEDIGAP.

4. What to do if someone calls about switching

Ask for the caller’s full name, company, plan name, and a direct phone number. Tell them you’ll call back.

• Do not give your Medicare or Social Security number to a cold caller.
• Call us immediately at 888‑411‑1329 or email service@remedigap.com. We’ll confirm whether the call is legitimate and whether the change helps you.
• If the caller says they’ll “switch you” now, say no — never agree to an on‑the‑spot enrollment.

5. When you can switch plans (quick guide)

• Part D (Drug): Review annually during AEP 10/15 through 12/5; changes take effect January 1.
• Medicare Advantage (Part C): AEP is the main window to switch for most members. Some special enrollment periods may apply in specific situations.
• Medicare Supplement (Medigap): Can typically be changed any time of year (subject to Underwriting). You do not need to change it during AEP.

6. If you suspect a scam or are unsure

• Contact us immediately at 888‑411‑1329 or service@remedigap.com — we’ll review and advise next steps.If you believe an unauthorized enrollment occurred, contact the plan, Medicare, and our office right away.