AARP Nebraska October 2025 Scam Watch Alerts

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 www.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.

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, 2025, 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.

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.

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 to 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.

Learn how to spot and avoid scams with the AARP Fraud Watch Network^TM. Suspect a scam? Call their free Helpline at 877-908-3360 and talk to a trained fraud specialist about what to do next. Learn more at www.aarp.org/NebraskaScamAlerts.