If you are receiving Medicare, a new identification card is coming your way soon.
The Centers for Medicare & Medicaid Services plans to mail out the replacement cards to all of the program’s 58.5 million recipients by April 2019, as mandated by Congress in 2015.
The noteworthy change? Your ID number.
Instead of displaying your Social Security number — which scammers can use to commit fraud — the new number will be one that is randomly assigned and unique to each Medicare recipient.
“The idea is to protect against identity theft,” said Elizabeth Gavino, founder of Lewin & Gavino in New York and an independent broker and general agent for Medicare plans.
The nation’s oldest Americans increasingly have been a prime target for identity theft. Among people age 65 or older, such incidents increased to 2.6 million in 2014 from 2.1 million in 2012, according to the most recent federal data.
Overall, about 16.7 million U.S. consumers were victims of identity fraud in 2017, according to a recent report from Javelin Strategy & Research.
Accessing a person’s Social Security number is one of the easiest ways to commit some of the worst types of fraud, such as filing fake tax returns or opening lines of credit in the victim’s name.
Scammers also can use that identifier to get medical care or prescriptions. In fact, half of medical identity theft victims say their information was fraudulently used to get government benefits like Medicare or Medicaid, according to a 2015 report from Ponemon Institute.
On top of the emotional toll that victims experience, fraud can damage a person’s credit and result in inaccurate medical records and false medical claims.
Despite the removal of Social Security numbers from the new Medicare cards, criminals already are trying to work around that detail. There have been reports of fraudsters calling Medicare recipients with a variety of new scams, including one where the caller asks for payment if you want to receive your new card.
“No one with Medicare will be calling you about your new card,” Gavino said. “If anyone does, it could be a scammer.”
A transition period, during which you can use either your old ID number or the new one (called the Medicare Beneficiary Identifier or MBI), will run through the end of 2019.