The short answer
Ask what help they want. Keep their priorities and decisions at the center.
Help someone. Protect their choices.
Tell us how to reach you. Your topic is already selected. No cost or obligation.
Let them lead
Ask what help they want. Keep their priorities and decisions at the center.
Confirm permission
Ask Medicare or the plan what authorization it needs before discussing another person's information.
Protect their Medicare number
Treat it like a credit card. Do not share it with unexpected callers or trade it for gifts.
Pause and verify
If a call feels suspicious, hang up. Call the number on the member card or 1-800-MEDICARE. Review notices for services never received.
A question worth asking
Does a family relationship automatically authorize access?
Ask the organization what permission or representation documentation it requires. Permission to discuss information and legal authority to make decisions are different. Let the person participate as much as they wish and can. For suspected Medicare fraud, call 1-800-MEDICARE (1-800-633-4227); ask the provider about billing mistakes too.
Your next-step checklist
Use this for your own notes. Checkmarks are not sent to Finwell or saved when you leave.
Sources & review
Checked against the official sources below on September 13, 2026. General education, not an individual coverage or eligibility determination.
Protect personal information — Medicare.govAuthorization to disclose information — Medicare.govCoverage and enrollment rules can change. Confirm the details for your situation with Medicare, Social Security, your state or the specific plan. Tell us if something needs clarification.
Keep learning
Make room for your questions
Prepare for a Medicare conversation for yourself or someone you support.
Read the next guide →