Jan 23, 2026

Medicare can be confusing when phone calls, mailers, and pop-up offers ramp up. In this episode, Ken Moraif and Medicare specialist Lynn Timm explain practical ways to protect yourself: how unsolicited plan “switch” calls happen, why beneficiary forms and provider networks matter, how Part D changes can affect prescriptions, and why your safest move is working with a trusted, licensed professional who knows your needs and doctors. We cover common missteps that lead to higher premiums, lost drug coverage, or out-of-network surprises and simple steps to check your current plan before you accept any offer over the phone. If this helped, tap Like and Subscribe for more retiree-friendly guidance on Medicare, Social Security, investing, and planning. 00:00 – Introduction: How to Avoid Becoming a Medicare Victim 01:20 – The Medicare Scam Problem: TV Ads, Phone Calls, and Confusion 03:05 – Real-Life Example: How Medicare Plans Get Changed Without Consent 05:10 – How Marketers Target Seniors Turning 65 06:45 – Illegal & Misleading Practices: What Medicare Will Never Do 08:20 – How to Protect Yourself: What to Do (and What Not to Do) 10:45 – Key Takeaways + Preview of Part Two on Rising Medicare Premiums

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