I get 4-5 mailings a week for scams with Medicare as well as the legitimate change your plan to an HMO kind of things. They all hit the trash. When it doubt call Medicare yourself. If you want to change your plan ie. straight Medicare to an HMO call Medicare! They will help you with all your concerns and put you in the right direction. Medicare can contact you by mail for legitimate concerns. The mailings from Medicare are well marked and you should watch carefully for such mailings many times you may be expecting that mailing. Especially if you are turning 65 within 6-8 months. Be careful about unsolicited phone calls claiming they are Medicare. U.S. Medicare in not Medicare. Adding those couple letters makes all the difference. Thanks for sharing this very important information. To many people fall victim to things like this all to often.