The phone rings. When you answer, a pleasant voice wishes you a good day and politely informs you that there is an issue with your Medicare account that needs to be remedied. When you ask what the problem is, you’re told you need to provide your social security and a bank account or credit card number so the organization can update its files, send out a new Medicare card, issue you a refund for overpayment or some other logical-sounding reason. You comply with the request and go about your business, never realizing you’ve been scammed until it’s too late.