All of our ID theft literature warns against having your Social Security number in your purse or wallet, for fear of it falling into the hands of a thief. That means get it off your checks and driver's license and don't carry your SS card. But we invariably get the question from seniors, "My Medicare card has my Social Security number on it - don't I have to carry it with me at all times?" Understandable question, since item #1 on the back of the Medicare card seems to say that.

But the folks at Medicare say that actually means you need to carry it with you when you're travelling out of town. Otherwise, leave it at home and carry it only when going to the doctor or leaving town.

If you're in town and have an unexpected emergency room visit, you'll be treated. You can get the hospital your Medicare info later for billing.