Stay Aware of Fraud and Scams

Unfortunately, there are a number of fraud artists and scams that target the aging population. We are here to help you stay safe from these common tactics. 

Missouri Fraud Prevention Fact

February 2025

Sadly, Medicare scams by phone happen every day. Remember that Medicare will never cold call you and ask for your personal information. When in doubt, hang up and call Medicare at (800) 633-4227.

What is a Sweetheart Scam and How Does it Work?

Tips to staying safe from Romance Scams.

A sweetheart scam, also known as a romance scam or catfishing, is when criminals use fake online profiles to build a relationship to manipulate and steal from you. It starts innocently with a dating app match or social media friend request but eventually, they begin asking for money.

Common Sweetheart Scam Tactics:

• Love Bombing - excessive praise and affection early on to manipulate your emotions.

• Inconsistent Details or changes in their story.

• Avoids Video Calls or Meeting in Person using excuses like emergencies or family tragedies.

• Asks for Money often for an emergency or to travel to meet you.

How to Protect Yourself:

  • Be cautious about what you post online. Scammers may use social media details to target you.

  • Be wary if someone seems too perfect or moves too quickly.

  • Be suspicious if they always make excuses to avoid meeting in person.

  • Meet in public. Always meet in a public place. Tell a friend who and where you’re meeting.

  • Take your time and ask a lot of questions.

  • NEVER send money to someone you’ve only met online or by phone.

If you think you’ve been targeted, don’t feel embarrassed. The criminals carrying out Sweetheart Scams seem caring, authentic and believable. Make sure to immediately:

  1. Report to Authorities: File a report with local police and notify your financial institutions.

  2. Protect Your Accounts: Change your passwords immediately.

  3. Block the Scammer: Remove them from all communication channels, including social media and messaging apps.

The Missouri SMP is here to provide you with information you need to protect, detect, and report potential Medicare fraud, errors, and abuse. If you think you or a loved one has been a target of a Medicare scam, call the Missouri SMP at 888-515-6565.

Call (888) 515-6565 to report suspected Medicare or Medicaid fraud, errors, or abuse.