They called said I won 350,000 dollars but to receive the money I have to pay the insurance of 3,500 I think it is a scam but not sure

Educational post:
You may have been exposed to scam # 15, as described here:
http://phonehelp.2truth.com/facts_rev.html

Remember to return here, to 800notes.com, after you look at any of the information at that site, either to post more information, or to let us know you avoided the scam, or to read any further information about that number that others may post.

It's a scam. All the caller wants is YOUR money.