Here are 3 tips to protect yourself from Medicare fraud and scams:

1. If you get a call, text or email asking for your Medicare Number, don’t respond. Don’t give your Medicare card or Medicare Number to anyone except your doctor or people you know should have it.
2. Check your Medicare Summary Notices (MSNs) or claims statements carefully. If you see a charge for a service you didn’t get or a product you didn’t order, it may be fraud. If you suspect fraud, report it at 1-800-MEDICARE (1-800-633-4227).
3. Guard your Medicare card like it’s a credit card.

Stop Medicare Fraud

Visit Medicare.gov, the official source for Medicare information, to learn more about preventing Medicare fraud and medical identity theft.

What Are Social Security-Related Scams?

Criminals continue to impersonate SSA and other government agencies in an attempt to obtain personal information or money.

Scammers might call, email, text, write, or message you on social media claiming to be from the Social Security Administration or the Office of the Inspector General. They might use the name of a person who really works there and might send a picture or attachment as “proof.”

Four Basic Signs of a Scam

Recognizing the signs of a scam gives you the power to ignore criminals and report the scam.

Scams come in many varieties, but they all work the same way:

1. Scammers pretend to be from an agency or organization you know to gain your trust.
2. Scammers say there is a problem or a prize.
3. Scammers pressure you to act immediately.
4. Scammers tell you to pay in a specific way.

Known Tactics Scammers Use

Scammers frequently change their approach with new tactics and messages to trick people. We encourage you to stay up to date on the latest news and advisories by following SSA OIG on LinkedIn, Twitter, and Facebook or subscribing to receive email alerts.

These are red flags; you can trust that Social Security will never

• Threaten you with arrest or legal action because you don’t agree to pay money immediately.
• Suspend your Social Security number.
• Claim to need personal information or payment to activate a cost-of-living adjustment (COLA) or other benefit increase.
• Pressure you to take immediate action, including sharing personal information.
• Ask you to pay with gift cards, prepaid debit cards, wire transfers, cryptocurrency, or by mailing cash.
• Threaten to seize your bank account.
• Offer to move your money to a “protected” bank account.
• Demand secrecy.
• Direct message you on social media.

Be skeptical and look for red flags. If you receive a suspicious call, text message, email, letter, or message on social media, the caller or sender may not be who they say they are. Scammers have also been known to:

• Use legitimate names of Office of Inspector General or Social Security Administration employees.
• “Spoof” official government phone numbers, or even numbers for local police departments.
• Send official-looking documents by U.S. mail or attachments through email, text, or social media message.

Fraudsters create imposter social media pages and accounts using Social Security-related images and jargon. This helps them appear as if they’re associated with or endorsed by Social Security. The imposter pages could be for the agency or Social Security and OIG officials. The user is asked to send their financial information, Social Security number, or other sensitive information. Social Security will never ask for sensitive information through social media as these channels are not secure.

Here are some ways to spot an imposter page:

• Number of followers.
• Incorrect punctuation or spelling.
• Links to pages not on ssa.gov.
• Advertisements for forms or other SSA documents.
• Incorrect social media handle. To view the list of Social Security’s official social media channels, we encourage you to visit www.ssa.gov/socialmedia

It is illegal to reproduce federal employee credentials and federal law enforcement badges. Federal law enforcement will never send photographs of credentials or badges to demand any kind of payment, and neither will federal government employees.

Report the scam.

Note—Scammers are using Artificial Intelligence (AI) as an additional tactic to trick people. You may find more information regarding AI Scams from the Senate Special Committee on Aging’s brochure, “Emerging Threat: Artificial Intelligence”.

How to Avoid a Scam

Protect yourself, friends, and family — If you receive a suspicious call, text, email, social media message, or letter from someone claiming to be from Social Security:

1. Remain calm. If you receive a communication that causes a strong emotional response, take a deep breath. Talk to someone you trust.
2. Hang up or ignore the message. Do not click on links or attachments.
3. Protect your money. Scammers will insist that you pay with a gift card, prepaid debit card, cryptocurrency, wire transfer, money transfer, or by mailing cash. Scammers use these forms of payment because they are hard to trace.
4. Protect your personal information. Be cautious of any contact claiming to be from a government agency or law enforcement telling you about a problem you don’t recognize, even if the caller has some of your personal information.
5. Spread the word to protect your community from scammers.
6. Report the scam to the Office of the Inspector General at oig.ssa.gov/report.

How to Report

When you report a scam, you are providing us with powerful data that we use to inform others, identify trends, refine strategies, and take legal action against the criminals behind these scam activities.

Report a scam

If you are unsure about the type of scam, but want to report it, visit USA.gov’s Where To Report a Scam. The tool will help you to find the right place to report a scam.

What to Do if You Were Scammed

Recovering from a scam can be a long and difficult process. Here are some reminders:

• Do not blame yourself. Criminal behavior is not your fault.
• Stop contact with the scammer. Do not talk to them or respond to their messages.
• Notify the three major credit bureaus: Equifax, Experian, and TransUnion to add a fraud alert to your credit report.
• Protect your Social Security Number.
• Request a replacement SSN card or new SSN, if necessary.

The Federal Trade Commission’s “What To Do if You Were Scammed” article has information about what to do if you paid someone you think is a scammer or gave a scammer your personal information or access to your computer or phone.

Additionally, the Federal Trade Commission provides assistance in multiple languages. The Federal Trade Commission’s “New Help for Spotting, Avoiding, and Reporting Scams in Multiple Language” and “Consumer Education in Multiple Languages” has information about reporting and avoiding scams in your preferred language.

Reprinted from the Social Security Administration and its Office of the Inspector General.

One reason that scammers are so difficult to stop, security experts say, is that they keep raising their game. They’re continually perfecting their scams, taking advantage of tech innovations and honing their methods to better manipulate their targets.

“We keep coming up with different tools to combat scams and fraud, but it’s just like playing whack-a-mole,” says Better Business Bureau spokesman Josh Planos.

Scammers have become much more adept at impersonating legitimate institutions, including creating websites and messages that are “carbon copies” of legitimate health care providers, businesses and banks, with fewer grammatical mistakes and other red flags for scams, according to Planos.

And criminals are not only taking advantage of technological innovations such as artificial intelligence (AI), they’re also growing ever more adept at psychological manipulations — their “game of persuasion,” says Aaron Foss, former chief executive and founder of Nomorobo, a firm whose technology aims to thwart robocalls. Foss explains that today’s scammers in overseas call centers, for example, are often trained to minimize their accents and coached on ways to connect emotionally with their targets.

Here are six of the scams that experts say you should be watching out for this year.

1. Check cooking scam

Last year, the big thing was check washing, where thieves stole paper checks from postal boxes, mailboxes or even carriers and then washed the checks with chemicals, keeping the signature but erasing the amount and the payee so they could fill in a new name and amount. But now, they’ve discovered a less messy way to steal. In check cooking, thieves take a digital picture of a stolen check and then use commercially available software to alter it.

“It looks very real, even with the watermarks and all,” explains Michael Bruemmer, vice president of data breach resolution and consumer protection at Experian, a global credit verification and financial services firm. Criminals can print a new phony check or else just deposit the altered image using a bank’s mobile app, he notes.

How to stay safe: Consider using a safer payment method, such as a credit card. But if you choose to write paper checks, scammers still need to steal a physical copy. Make it harder for them. Instead of putting the check in a mailbox, drop it off directly at the nearest post office. And continually monitor your checking account and watch for any suspicious transactions.

2. Voiceprint Scams

Thanks to technological advances, it’s possible for thieves to capture a recording of your voice and then use a software program to generate an imitation “deepfake” version that can be used to impersonate you. “That voiceprint can be used to access your insurance or your financial institution or apply for a driver’s license,” Bruemmer says. The New York Times reported on a recent case in which a representative at a major bank received a call from a deepfake copy of a Florida investor’s voice, requesting that the bank move the man’s money elsewhere. Fortunately, the fraud attempt was spotted by the bank before the real investor lost his savings.

How to stay safe: To prevent your voice from being duplicated, “don’t answer the phone,” Bruemmer advises. “If someone needs to get hold of you, they can text you.” Bruemmer even is cautious about answering calls that appear to be from people on his contact list, since the call could be coming from a phone that’s been stolen or had its SIM card cloned, he says.

3. Delayed-action sweepstakes scam

Sweepstakes scammers, who call or write to say that you’ve won a fabulous fortune, have been around for ages. But recently they’ve come up with a new variation on the old formula, according to Bruemmer. Instead of trying to get you to pay taxes or other fees in advance to collect the nonexistent prize, the scammers will ask for personal information so that they can validate you and set up the payout. “They’ll say, just give us your banking information and your Social Security number, and we’ll file with the IRS and we’ll take care of everything,” he explains. “But, boom, it’s just another form of identity theft.” Instead of quickly looting your bank account — what Bruemmer calls a “smash and grab” — the scammers may play a long game. They’ll write small checks on your account to see whether you notice the fraudulent activity. If you don’t, they’ll continue to use the account to obtain credit cards and lines of credit in your name that they can siphon off, giving them a potentially bigger payday down the road.  

How to stay safe: As with previous variations of the sweepstakes scam, remember that if it seems too good to be true, it probably is. If you get a call from someone claiming that you’ve won a huge prize, the safest bet is to just hang up. And never, ever provide any personal information.

4. Virtual celebrity scam

Celebrities have had online presences for years, but the trend really gained momentum during the pandemic, when stars who couldn’t make public appearances tried to stay connected with their fans by doing online concerts and other events on social media. Fans have become accustomed to that constant virtual intimacy, which leaves them vulnerable to celebrity scammers. “You’re on Instagram or Facebook, and someone pretending to be Celine Dion or her manager reaches out to you,” explains Amy Nofziger, director of victim support for AARP’s Fraud Watch Network. If it’s a fake manager, “They might say, ‘Celine loves your comments. She’d love to talk to you. Here’s her private account.’ ” But after you connect to an impostor pretending to be the superstar singer, the talk gradually turns to how her fortune is tied up in a lawsuit, and she could use a $50,000 loan from you, or a similar story involving a need for your money.

How to stay safe: If you get a direct message from someone claiming to be a famous performer or superstar athlete or representing them, be skeptical. It’s almost certain to be a scam.

5. Multistage grandparent scam

This is a new, more sophisticated version of the old grandparent scam, in which crooks call and pretend to be a grandchild who’s been arrested and needs bail money to get out of a nonexistent legal jam. In the past, grandparent scammers were often small-timers who would plead for a few hundred dollars. But these days, Foss says, they often set up call centers staffed with young people who are paid a few bucks for every grandparent that they can connect with. After posing as grandchildren who’ve been jailed after a car accident, they’ll provide a case number and instruct the target to call their defense attorney or the local prosecutor. “When Grandpa calls up, they say, ‘Oh, do you have the case number?’” Foss explains. It’s actually a subtle psychological trick to see whether the grandparent is compliant and will follow their instructions to send thousands or even tens of thousands of dollars.

Some scammers have a third conspirator pose as a courier and go to a grandparent’s home to pick up the money in person, according to Steve Baker, a former Federal Trade Commission official who now publishes the Baker Fraud Report newsletter.

How to stay safe: If you get a call from an unfamiliar number from a family member claiming to be in trouble, don’t panic. Instead, after you’ve finished talking — and certainly before sending money — the Federal Communications Commission recommends that you call or text the person at his or her usual number and check to see whether the family member is actually in trouble. If they don’t answer, contact other family members or friends if you have any concern that the emergency could be real. Scammers plead with you to keep the situation a secret precisely so you won’t try to confirm it.

6. Paris Olympics scams

Criminals try to find ways to exploit big events that are in the news. With the Paris games coming up this summer, Nofziger suspects that we may start seeing a revival of the fake emergency scam, which bears similarities to the grandparent scam but is slightly different. It could work something like this: A scammer hacks someone’s email account, and shortly after, all of that person’s contacts will receive the same message — something to the effect of, “Hey guys, I’m over in Paris and my wallet got stolen! Can anyone please help me out by sending gift cards or a Venmo deposit?” 

To the recipients, it’s a potentially convincing ruse. “You’re thinking very quickly, well, Amy was in Paris two years ago, and she loves the Olympics, so it all makes sense,” Nofziger explains. “Yeah, I’ll send you money.”

And Olympics officials are warning ticket seekers to avoid bogus ticketing sites and scam emails purporting to be from Paris 2024 (the official website for the games) or the Olympic committee.

How to stay safe: Resist the urge to react immediately if you hear from a friend in Paris needing cash. Instead, follow the Federal Trade Commission’s advice and try another way to contact the person who supposedly is in need, such as calling them on the phone. Alternatively, reach out to a trusted source who knows the person and would be aware of whether or not they went on a trip to Paris.

If you’re intending to go to Paris and receive emails regarding tickets to the games, the official website for Paris 2024 notes, “You will never be asked for the login details for your ticketing account (ID and password)” or “banking details.” Check the sender’s email address; scammers will often change one letter or number, or use .com rather than .org, hoping recipients will mistake the fake address for the legitimate one.

Reprinted from AARP Fraud Watch Network.