I answer calls because sometimes it's the health insurance people calling me back, and I'm expecting their call and don't want to have to play phone tag with voice mails. A lot of these folks work from home now and get dedicated cell phones with their own number, but caller ID doesn't recognize as being with the health insurance company.
If I hear no response to my "hello?" within 10 seconds I hang up. If they're legit they'll call back.
If they are robot calls, I hang up and block the number.
If they are actual people scamming me I'll either say no or swear at them in Greek or Spanish, and then hang up.
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