WELCOME ARE YOU SMARTER THAN A SCAM ARTIST? Brought to you by: SMP Technical Resource Center Created by: Rona McNally, Missouri SMP in cooperation with Travis Ford, Missouri Division of Finance April 2008, Revised May 2010 WELCOME ARE YOU SMARTER THAN A SCAM ARTIST? Brought to you by: SMP Technical Resource Center Created by: Rona McNally, Missouri SMP in cooperation with Travis Ford, Missouri Division of Finance April 2008, Revised May 2010

You receive a call from someone stating that he is with the federal government, and he is offering ObamaCare policies. You should: A.Purchase a policy to avoid future tax penalties. B.Hang up. 4.4.

B. Hang up. ObamaCare policies do not exist.

Medicare Part D Plans will pay for over-the counter medications? A. True B. False Medicare Part D Plans will pay for over-the counter medications? A. True B. False 5.

B. False. Medicare Prescription Drug Plans are only required to cover prescription medications.

Drug companies must follow the federal “do not call” requirements for telemarketing. A. True B. False Drug companies must follow the federal “do not call” requirements for telemarketing. A. True B. False 6.

A. True. If you are on the “No Call” list, state or federal, drug companies are not allowed to call you.

How do you know if Medicare has paid for a service you did not receive? A.Call Medicare B.Read your Medicare Summary Notice C.Wait for a statement from your doctor. How do you know if Medicare has paid for a service you did not receive? A.Call Medicare B.Read your Medicare Summary Notice C.Wait for a statement from your doctor. 10.

B. Read your MSN. Look for three things: Charges for something you didn’t get, billing twice for the same service, services that were not ordered by your doctor.

What is Medicare Advantage? A. Supplement B. Medicare replacement C. Something everyone has to have What is Medicare Advantage? A. Supplement B. Medicare replacement C. Something everyone has to have 11.

B. Medicare replacement. Someone with Medicare Advantage is still enrolled in Medicare, they are just receiving the benefits from a private insurance company.

You receive a phone call from someone claiming to be Medicare. The caller states that a refund is due to you and you only need to give them your Medicare number and bank account information to receive the refund. You should

A.Give the caller your information. B.Hang up. C.Make sure they have your friend’s number to call, too.

B. Hang up. Medicare, Social Security, and prescription drug plans are not allowed to call and ask for that information. This would be a scam, and if it occurs, you need to notify local authorities.

If a Medicare prescription drug plan leaves the program they will? A.Send enrollees a letter B.Call all enrollees to offer a different plan C. Enrollees won’t know until they try to get their medicine If a Medicare prescription drug plan leaves the program they will? A.Send enrollees a letter B.Call all enrollees to offer a different plan C. Enrollees won’t know until they try to get their medicine 16.

A. Send enrollees a letter. Don’t believe a caller who states that they are with your drug plan and need information.

When a provider sees many patients who did not need his services and bills as if they all received a comprehensive exam this is known as… A. Group visitation B. A gang visit C. Excessive visiting D. A group charge E. None of the above When a provider sees many patients who did not need his services and bills as if they all received a comprehensive exam this is known as… A. Group visitation B. A gang visit C. Excessive visiting D. A group charge E. None of the above 22.

B. A gang visit

The best way to discover if Medicare has paid for a services incorrectly is to: A. Call the provider and ask B. Read the Medicare Summary Notice C. Don’t worry about it, it isn't your money. The best way to discover if Medicare has paid for a services incorrectly is to: A. Call the provider and ask B. Read the Medicare Summary Notice C. Don’t worry about it, it isn't your money. 23.

B. Read the Medicare Summary Notice.

“Free” blood pressure screenings are offered at a mall. When you arrive, they ask for your Medicare number. Should you be suspicious? A. Yes B. No “Free” blood pressure screenings are offered at a mall. When you arrive, they ask for your Medicare number. Should you be suspicious? A. Yes B. No 24.

A. Yes. If a service is being offered for free, they don’t need your Medicare number.

You are contacted by a company who offers you a scooter, at no charge. When you receive the Medicare Summary Notice, you notice that Medicare has been billed for a power wheelchair. You: 29.

A. Do nothing. Medicare considers scooters power wheelchairs. B. Report the concern because Medicare was billed for more than you received. C. Ignore it. They’ll work it out. A. Do nothing. Medicare considers scooters power wheelchairs. B. Report the concern because Medicare was billed for more than you received. C. Ignore it. They’ll work it out.

B. Report the concern. Your physician must prescribe mobility equipment for you. A company should not be contacting you. Also, power wheelchairs are paid for by Medicare at a much higher rate than scooters.

You attend a diabetes education seminar. At the seminar, you are offered free diabetic shoes. The speaker states that he will take care of all of the paperwork for you. You should: 30.

A. Avoid the offer. Your physician will order what you need. B. Speak with your physician to determine if shoes are needed. C. Order the shoes. Customer service like this is hard to come by. A. Avoid the offer. Your physician will order what you need. B. Speak with your physician to determine if shoes are needed. C. Order the shoes. Customer service like this is hard to come by.

B. Speak with your physician. Your physician is aware of the specific care you need and must prescribe treatment for you before it is received.

You receive a bill from a physician that you have never seen. This is definitely fraud. A. True B. False You receive a bill from a physician that you have never seen. This is definitely fraud. A. True B. False 28.

B. False. The bill might be from a radiologist who read an x-ray for example.

U.S. Citizens should carry their social security cards at all times because they might be required to show the card to prove identity or citizenship. A. True B. False U.S. Citizens should carry their social security cards at all times because they might be required to show the card to prove identity or citizenship. A. True B. False 26.

B. False

Federal law entitles you to access your credit report for free: A. Once a year B. Three times a year C. Once a Month 1.

B. Three times a year. Each of the three major credit bureaus is required to provide you with a free credit report each year.

As you get older, your need for life insurance generally: A.Decreases B.Increases C.Stays the same 2.

A. Decreases

The safest way to avoid a scam when paying for insurance is to: A.Pay your agent in cash B.Make your check payable to your agent personally C.Make your check payable to the insurance company The safest way to avoid a scam when paying for insurance is to: A.Pay your agent in cash B.Make your check payable to your agent personally C.Make your check payable to the insurance company 3.

C. Make your check payable to the insurance company.

Your credit rating affects your ability to: A. Obtain new financing, such as credit card accounts, lines of credit, loans. B. Be hired C. Rent property D. All of the above Your credit rating affects your ability to: A. Obtain new financing, such as credit card accounts, lines of credit, loans. B. Be hired C. Rent property D. All of the above 7..

D. All of the above. Your credit history may be considered by potential insurers', landlords and even employers.

Which of the following is the most important factor in your credit score: A. Length of credit history B. Outstanding debt C. History of paying bills on time Which of the following is the most important factor in your credit score: A. Length of credit history B. Outstanding debt C. History of paying bills on time 8.

C. History of paying bills on time 35% payment history 30% amount of debt 15% length of credit history 10% new credit 10% types of credit in use

With a reverse mortgage, you; A. Cancel your mortgage and get your money back B. Borrow money against the equity in your home C. Live at the bank, and your banker lives in your house With a reverse mortgage, you; A. Cancel your mortgage and get your money back B. Borrow money against the equity in your home C. Live at the bank, and your banker lives in your house 9.

B.Borrow money against the equity in your home

The best way to cut down on pre-approved credit card offers is to: A. Respond to each company individually declining further offers. B. Opt out of all pre-approved offers. C. Stop borrowing money: The companies will get the hint. The best way to cut down on pre-approved credit card offers is to: A. Respond to each company individually declining further offers. B. Opt out of all pre-approved offers. C. Stop borrowing money: The companies will get the hint. 13.

B. Opt out of all pre-approved offers Visit B. Opt out of all pre-approved offers Visit

What is the maximum interest rate a credit card company may charge under federal law? A. 36% B. 29% C. There is no federal maximum What is the maximum interest rate a credit card company may charge under federal law? A. 36% B. 29% C. There is no federal maximum 14.

C. There is no maximum

You get a letter from a stranger saying he is a resident of an African country ruled by a tyrannical regime. He claims family wealth of several million dollars that will soon be claimed by the corrupt government. To avoid this, he needs the help of a trustworthy American to get the money out of the country and into a U.S. bank. If you are willing to help him successfully move his money, you will receive 10% of the fortune for your services. This is… 15.

A. Phishing B. African Violence C. Nigerian Letter A. Phishing B. African Violence C. Nigerian Letter

How much money is believed to be lost to Medicare/Medicaid fraud and abuse each hour? A. $5,000 B. $50,000 C. 100,000 D. $2.4 million How much money is believed to be lost to Medicare/Medicaid fraud and abuse each hour? A. $5,000 B. $50,000 C. 100,000 D. $2.4 million 17.

D. Approximately $2.4 Million

Medicare Advantage salespersons are prohibited from: A Going door-to-door B. Stating they represent Medicare C. Calling individuals on the “Do Not Call" List D. All of the above Medicare Advantage salespersons are prohibited from: A Going door-to-door B. Stating they represent Medicare C. Calling individuals on the “Do Not Call" List D. All of the above 18.

D. All of the above. If any of these things occur, you should report it to the SMP.

You get an from your bank saying your account has been frozen due to security precautions. You are asked to click a link to a website and enter your account number and PIN. When you do, you soon find your checking account has been cleared out. This is … 19.

A. Phishing B. Bank examiner scam C. Slamming A. Phishing B. Bank examiner scam C. Slamming

A. Phishing

A notification letter that says you have won a foreign lottery is: A. Sometimes a scam B. Always a scam C. Never a scam A notification letter that says you have won a foreign lottery is: A. Sometimes a scam B. Always a scam C. Never a scam 20.

B. Always a scam

When purchasing online, you should pay with a credit card. A. True B. False When purchasing online, you should pay with a credit card. A. True B. False 25.

A. True

You receive a call from a telemarketer, and you are not interested in what they have to offer. What is the best response? 27.

A. Yell and hang up B. Interrupt. Say that you are not interested. Find out who is calling, and then ask the person to take your name off the company's list. C. Listen to what the telemarketer has to say, but then say your not interested.

B. Federal law requires a telemarketer not to contact you again if you ask the caller to stop calling you.

When shopping online or maintaining an account online, create a password that is easy to remember., such as your birth date, maiden name or Social Security number. A.True B.False 31.

B. False

You can return a used car under the Lemon Law, if you discover the seller overcharged you by at least 40 percent, failed to disclose mechanical problems or if the car is determined to a Lemon by a certified mechanic. 32.

A. True B. False A. True B. False

When making a donation to a charity, you should always do the following EXCEPT: 33.

A. Avoid cash donations. B. make your checks payable to the organization; not an individual. C. give your credit card number to a solicitor. D. ask the solicitor to describe clearly how your donation will be used. A. Avoid cash donations. B. make your checks payable to the organization; not an individual. C. give your credit card number to a solicitor. D. ask the solicitor to describe clearly how your donation will be used.

C. You should be careful about giving your credit card number to a solicitor – they could be an identity thief.

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