Fighting Fraud
How to protect yourself from scam calls, texts and emails
At Blue Cross and Blue Shield of Minnesota, we’re committed to doing all we can to keep members safe from financial fraud. Whether it’s a call, a text or an email communication, being able to tell the difference between a legitimate message and a scam is important.
According to the FBI’s Elder Fraud Report, those over the age of 60 lost $3.4 billion due to fraud and scams in 2023, with an estimated average loss of $33,915 per person. These figures show the importance of being cautious and vigilant.
Many scams begin with a simple phone call or seemingly harmless emails or texts. Fraudsters often pose as employees of banks, insurance organizations or government agencies. They commonly attempt to cause concern, fear and confusion. The goal is to create a sense of urgency, prompting you to give out personal and financial information.
As a Blue Cross member, you might get occasional text messages and emails from us. We will never ask for sensitive information (usernames, passwords, health information or personal details) in those communications. If you suspect a fraud issue related to your Blue Cross coverage, please report it through the fraud hotline: 1-800-382-2000 ext. 28363. You can also report it online at bcbsmnfraud.alertline.com. Report all suspected scams to the FBI at ic3.gov or call 1-833-FRAUD-11 (833-372-8311).
Some ways to protect yourself from fraud
Avoid answering calls from unknown numbers.
Stay cautious and trust your instincts. Maintain healthy skepticism.
If you’re unsure about a caller’s identity, tell them you’ll call them back. For example, if someone says they’re calling from your bank, hang up and contact your bank directly to verify.
Never share personal details like your birthday, Social Security number or bank account information.
Be mindful of what you share on social media.
If an offer seems too good to be true, it likely is. Avoid “give us money and we’ll give you money” scams.
Hang up on suspicious calls — and don’t feel bad about it.
Bookmark official websites for reliable contact information. Don’t trust a link or phone number that comes in an unsolicited email or text message.
Don’t engage with unsolicited surveys or pop-ups.
Safeguard all financial, medical and personal information.
If you suspect fraudulent activity, you can freeze your credit with the three major credit bureaus. Those are Equifax, Experian, and TransUnion.
Regularly review your explanation of benefits (EOB) from Blue Cross to ensure all charges appear accurate.
Shred sensitive documents, close inactive bank and credit accounts, and never share your PIN, password or medical details.
