Scam Alerts in Massachusetts

Every week we are posting about the latest scams to look out for, make sure to come back regularly to stay up to date. We know if you can spot a scam, you can stop a scam!

Medicare Open Enrollment Scams
October marks the start of Medicare open enrollment, and unfortunately, the peak season for Medicare fraud. From October 15 to December 7, eligible beneficiaries can review options and make changes to their Medicare health and Part D prescription drug plans. But not every offer is what it seems.

Each year, criminals take advantage of open enrollment season by posing as insurance providers. They may call, email or show up offering free gifts or limited-time offers, all designed to steal your money, Medicare information, or even your identity.

At the same time, advances in modern medical technology create new opportunities for fraud criminals. Medicare beneficiaries should be cautious of devices advertised as medical monitors or promoted for uses they weren’t designed for. To stay safe, rely only on equipment prescribed by your doctor.[SK1]

To protect yourself from Medicare schemes, avoid sharing personal information with anyone who contacts you unexpectedly about Medicare. Legitimate plans can only reach out if you’ve requested information or already have an existing relationship with them. Beneficiaries can safely compare legitimate plans and change enrollment by going to medicare.gov or by calling 800-633-4227.

Cybersecurity Awareness Month
October is National Cybersecurity Awareness Month – a great time to remind ourselves just how much of our lives take place online and the potential threats that exist in the digital world. Any device that stores information or connects to the internet could become a target for cybercriminals seeking to steal your data. Here are four important ways to help stay safe online.

First, always use strong, unique passwords for each online account you own. Even better, investigate options for getting a free or low-cost password manager such as Bitwarden, Dashlane, LastPass, and others. Newer to the marketplace are passkeys that offer hope that we can move beyond passwords. They verify a user with a biometric (like facial or fingerprint recognition) tied to the device being used to gain access. You can read more about them at aarp.org/personal-technology/passkeys-future.

Second, set up multi-factor authentication when available as added security that goes beyond your username and password to verify that it’s you using your account or device.

Third, turn on automatic software updates to keep your devices up-to-date and secure.

And finally, know that it's no longer safe to click on links from emails, texts, and online ads. Instead, type web addresses into your browser to ensure you aren’t sent to a copycat site and stick to sites you know and trust.

Aspen Institute Fraud Task Force
Fraud today is largely run by sophisticated, large-scale operations led by transnational crime groups, stealing an estimated $158 billion from Americans in a single year. This is not just a consumer education issue — it’s a national security threat that demands urgent attention.

That’s why AARP has joined the Aspen Institute Financial Security Program’s National Task Force on Fraud and Scam Prevention. Alongside more than 80 organizations — including financial institutions, technology companies, law enforcement, federal agencies and consumer advocates — we helped launch a proposal for the first ever national fraud strategy that lays out a blueprint for stronger, coordinated action to combat fraud.

This strategy marks a shift from fragmented efforts to a coordinated defense and is a critical step forward with clear pathways for government and industry to work together to establish a whole-of-society response to the fraud threat.

AARP is proud to be part of this effort, and we look forward to working with partners and policymakers to improve collaboration, modernize information sharing and reporting, and enhance law enforcement capabilities in the fight against fraud that harm millions of Americans.

Social Media “Cloning” Scams
Nearly all of us use social media to stay connected with friends and family. Unfortunately, scammers use social media to connect with us, too. Before accepting a friend request on your social media platforms, keep these tips in mind to protect yourself from scams.

Fraud criminals are adept at copying people’s social media profiles to impersonate them. Indeed, Facebook reportedly shut down more than one billion fake accounts in the third quarter of 2024 alone. Criminals use cloned accounts to reach out to the actual person’s friend list for nefarious reasons: to fake a problem they need help with, to access sensitive information, or send out malicious links to the real person’s friends. To make sure you are hearing from the person and not a clone of that person’s profile, double-check that you are not already friends with them. If not, reach out if you can to the person by phone, email, or text to confirm that the request is real.

Finally, adjust the privacy settings of your account to limit who can see your posts and your profile details. Information like your workplace, school, or hometown can all be used by scammers to build convincing cloned accounts and target your network.

Stronger Fraud Protections for Older Adults
In August, AARP testified before the U.S. Senate Special Committee on Aging to spotlight a growing threat to Americans: fraud carried out by translational organized crime groups. Operating openly abroad, these networks are draining billions of dollars from victims, local communities and economies every year. Older adults are navigating a minefield of increasingly sophisticated scams that threaten not only their lifetime savings but even their homes, independence, and health. Money that was saved for retirement is instead supporting illicit activity around the world.

AARP is urging lawmakers to step up and strengthen fraud prevention through legislation. With AARP’s support, several states have taken action, drafting or passing laws that target real estate and romance scams, cryptocurrency kiosk fraud, suspicious financial transactions and gift card theft.

But it’s not just about changing laws – it’s about changing the culture around fraud. AARP continues its work to change how we talk about and think about fraud victims; see aarp.org/saythis. Across the country, our state offices and volunteers are leading or joining local efforts to create task forces bringing together law enforcement, attorneys general, regulatory agencies, bank tellers and nonprofits to work together on addressing fraud. If you’re interested in joining over 1,000 AARP fraud fighter volunteers engaged in these and other activities to fight fraud, email us at fwn@aarp.org.

Learn how to spot and avoid scams with AARP Fraud Watch Network. Suspect a scam? Call our free helpline at 877-908-3360 and talk to one of our fraud specialists about what to do next.