TL;DR: Caregivers manage someone else's finances and medical needs with little spare time. Verify medical and insurance billing directly with the provider's official number, and keep the finances of the person you're caring for on a separate, monitored account.
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Caregivers manage someone else's finances and medical needs with little spare time.
Common Tactics Used
Scammers impersonate medical suppliers or insurance providers requesting payment or personal details for the person being cared for, and fake caregiving job postings collect personal data from applicants.
How to Protect Against It
Verify medical and insurance billing directly with the provider's official number, and keep the finances of the person you're caring for on a separate, monitored account.
What Family and Friends Can Do
Sudden secrecy about money, unusual withdrawals, or a new online relationship that stays undisclosed are all worth a calm, judgment-free conversation. The earlier a scam is caught, the more can usually be recovered.
If this looks similar to something else you've seen, it's worth reading Scams Targeting College Students.
This pattern shows up elsewhere too — see Scams Targeting Content Creators and Influencers.
Frequently Asked Questions
Why are they specifically targeted?
Caregivers manage someone else's finances and medical needs with little spare time.
What tactics do scammers use?
Scammers impersonate medical suppliers or insurance providers requesting payment or personal details for the person being cared for, and fake caregiving job postings collect personal data from applicants.
How can they protect themselves?
Verify medical and insurance billing directly with the provider's official number, and keep the finances of the person you're caring for on a separate, monitored account.
What should family or friends watch for?
Sudden secrecy about money or new online relationships, unusual withdrawals or wire transfers, and reluctance to discuss a new "opportunity" or contact in detail are all worth a gentle, non-judgmental conversation.
What should I do if I think this has already happened?
Stop all contact and payments immediately, report it to the appropriate authority, and contact the bank or payment provider involved to see what can be recovered.