How do I avoid Medicare fraud and misleading sales tactics?

The Medicare insurance market includes many honest, helpful agents, but it also attracts high-pressure sales tactics that can lead people into plans that don't fit their needs. Knowing the rules helps you spot when something is off.First, the rules agents must follow. A licensed Medicare agent cannot visit you at home uninvited. They cannot call you unless you've given permission first. They cannot pressure you to enroll on the spot, and they cannot tell you a plan covers something it doesn't. These aren't just ethical guidelines. They're federal regulations.Second, take your time. You are never required to make a decision during a sales meeting or on a phone call. If someone is pushing you to sign up immediately or telling you the offer expires today, that's a red flag.Third, always verify the details independently. Before you enroll in any plan, check the plan's Summary of Evidence of Coverage document, which is the official plan document, to confirm what's covered and what it costs. You can also call 1-800-MEDICARE to verify any claim an agent makes.Fourth, use free resources. SHIP counselors are paid by the state, not by insurance companies, so they have no financial reason to steer you toward any particular plan. They can review any plan you're considering.Finally, if you feel uncomfortable during any sales interaction, it's completely fine to end the conversation and get a second opinion.