What is the "Secured Encrypted Message From Anthem Blue Cross EFT Settlement" email scam

What kind of email is "Secured Encrypted Message From Anthem Blue Cross"?

We examined this email and determined that it is a phishing scam. It is disguised as a notification from Anthem Blue Cross claiming the recipient has a secured encrypted document and a pending payment to review. Anthem Blue Cross has no connection to this scam. Recipients should ignore and delete this email to avoid identity theft and financial fraud.

"Secured Encrypted Message From Anthem Blue Cross" email scam overview

This email claims the recipient has received a secured encrypted message from Anthem Blue Cross EFT Settlement. It displays the Anthem Blue Cross logo alongside a PDF icon and presents a fake document table listing a file called "Eft/ Enrollment #001099," along with the current date and the recipient's partially hidden email address.

The email urges the recipient to click a "REVIEW Payment" button, which leads to a fraudulent website. Although the site linked in this email is no longer active, it was designed to steal login credentials from the visitor.

Based on how similar scams operate, the site may have either impersonated Anthem Blue Cross directly or adapted to mimic the recipient's email service provider. In the latter case, the page would detect the visitor's email domain and display a matching fake login interface - a Gmail-themed page for Gmail users, a Yahoo page for Yahoo users, and so on.

Credentials entered on such a page go directly to the scammers. With access to a victim's email account, cybercriminals can lock out the real owner, use the account to target contacts with further scams, or break into other services linked to that address.

It is also worth noting that the email's footer credits "adobe system integrated," which has no connection to Anthem Blue Cross. This kind of mismatch is a common trait of phishing kits assembled from recycled templates. Anthem Blue Cross is a legitimate US health insurance company and is not associated with this scam in any way.

Similar scam emails in general

In conclusion, this is a phishing scam masquerading as an official Anthem Blue Cross notification. Its goal is to trick recipients into surrendering their login credentials on a fraudulent website. The email should be deleted without clicking any of its links. In some cases, scam emails of this type are also used to distribute malware.

More examples of similar scam emails are Email Delivery Failure Notification, Scheduled Service Update, and Email Deliverability Issues.

How do spam campaigns infect computers?

Threat actors frequently use email to deliver malware through malicious file attachments or embedded download links. These files can be executables, Microsoft Office documents, PDF files, archives, JavaScript files, and other formats.

Opening a malicious file - or enabling features such as malicious macro commands inside documents - can trigger a malware infection. Links may redirect victims to pages that serve automatic downloads or push visitors into running harmful programs manually. In most cases, infection requires the user to interact with the dangerous content in some way.

How to avoid installation of malware?

Approach unexpected emails carefully, especially those urging you to open an attachment or click a link. If a message claims to be from a legitimate organization, verify the sender's actual address before taking any action.

Download software only from official developer websites or trusted app stores. Avoid pirated programs, key generators, and unofficial activation tools, as these are common vehicles for malware distribution. Keep your operating system and all installed applications up to date.

Decline notification permission requests from sites you do not recognize, and maintain an up-to-date antivirus program on your device. If you have already clicked a suspicious link or opened a malicious attachment, run a scan with Combo Cleaner Antivirus for Windows to detect and remove any threats.

Text presented in the "Secured Encrypted Message From Anthem Blue Cross" email letter:

Subject: You've received an encrypted message from Anthem Blue Cross EFT Settlement

Anthem BlueCross
PDF

Hello,

You Have a secured encrypted message from Anthem blue cross.
Doc name     Current date     Recipient
Eft/ Enrollment #001099     06/03/26     ********

[REVIEW Payment]

This email was sent from an unmonitored mailbox. do not reply this automated email

Best regards,
Account Payable
Copyright © 2026 adobe system integrated

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Quick menu:

• What is Secured Encrypted Message From Anthem Blue Cross phishing scam?
• Types of malicious emails.
• How to spot a malicious email?
• What to do if you fell for an email scam?

Types of malicious emails:

Phishing Emails

Most commonly, cybercriminals use deceptive emails to trick Internet users into giving away their sensitive private information, for example, login information for various online services, email accounts, or online banking information.

Such attacks are called phishing. In a phishing attack, cybercriminals usually send an email message with some popular service logo (for example, Microsoft, DHL, Amazon, Netflix), create urgency (wrong shipping address, expired password, etc.), and place a link which they hope their potential victims will click on.

After clicking the link presented in such email message, victims are redirected to a fake website that looks identical or extremely similar to the original one. Victims are then asked to enter their password, credit card details, or some other information that gets stolen by cybercriminals.

Emails with Malicious Attachments

Another popular attack vector is email spam with malicious attachments that infect users' computers with malware. Malicious attachments usually carry trojans that are capable of stealing passwords, banking information, and other sensitive information.

In such attacks, cybercriminals' main goal is to trick their potential victims into opening an infected email attachment. To achieve this goal, email messages usually talk about recently received invoices, faxes, or voice messages.

If a potential victim falls for the lure and opens the attachment, their computers get infected, and cybercriminals can collect a lot of sensitive information.

While it's a more complicated method to steal personal information (spam filters and antivirus programs usually detect such attempts), if successful, cybercriminals can get a much wider array of data and can collect information for a long period of time.

Sextortion Emails

This is a type of phishing. In this case, users receive an email claiming that a cybercriminal could access the webcam of the potential victim and has a video recording of one's masturbation.

To get rid of the video, victims are asked to pay a ransom (usually using Bitcoin or another cryptocurrency). Nevertheless, all of these claims are false - users who receive such emails should ignore and delete them.

How to spot a malicious email?

While cyber criminals try to make their lure emails look trustworthy, here are some things that you should look for when trying to spot a phishing email:

• Check the sender's ("from") email address: Hover your mouse over the "from" address and check if it's legitimate. For example, if you received an email from Microsoft, be sure to check if the email address is @microsoft.com and not something suspicious like @m1crosoft.com, @microsfot.com, @account-security-noreply.com, etc.
• Check for generic greetings: If the greeting in the email is "Dear user", "Dear @youremail.com", "Dear valued customer", this should raise suspiciousness. Most commonly, companies call you by your name. Lack of this information could signal a phishing attempt.
• Check the links in the email: Hover your mouse over the link presented in the email, if the link that appears seems suspicious, don't click it. For example, if you received an email from Microsoft and the link in the email shows that it will go to firebasestorage.googleapis.com/v0... you shouldn't trust it. It's best not to click any links in the emails but to visit the company website that sent you the email in the first place.
• Don't blindly trust email attachments: Most commonly, legitimate companies will ask you to log in to their website and to view any documents there; if you received an email with an attachment, it's a good idea to scan it with an antivirus application. Infected email attachments are a common attack vector used by cybercriminals.

To minimise the risk of opening phishing and malicious emails we recommend using Combo Cleaner Antivirus for Windows. 

Example of a spam email:

What to do if you fell for an email scam?

• If you clicked on a link in a phishing email and entered your password - be sure to change your password as soon as possible. Usually, cybercriminals collect stolen credentials and then sell them to other groups that use them for malicious purposes. If you change your password in a timely manner, there's a chance that criminals won't have enough time to do any damage.
• If you entered your credit card information - contact your bank as soon as possible and explain the situation. There's a good chance that you will need to cancel your compromised credit card and get a new one.
• If you see any signs of identity theft - you should immediately contact the Federal Trade Commission. This institution will collect information about your situation and create a personal recovery plan.
• If you opened a malicious attachment - your computer is probably infected, you should scan it with a reputable antivirus application. For this purpose, we recommend using  Combo Cleaner Antivirus for Windows.
• Help other Internet users - report phishing emails to Anti-Phishing Working Group, FBI’s Internet Crime Complaint Center, National Fraud Information Center and U.S. Department of Justice.

Frequently Asked Questions (FAQ)

Why did I receive this email?

Scam emails like this are sent in bulk to large numbers of people at once. Cybercriminals collect addresses through data breaches, fake sign-up forms, and similar means. These messages are generic and not targeted at any specific individual.

I have provided my personal information when tricked by this email, what should I do?

If you entered login credentials, change the passwords for all affected accounts immediately and contact those platforms' support teams.

If you provided financial details such as credit card numbers, notify your bank right away. For other sensitive personal data such as ID information, contact the appropriate authorities as soon as possible.

I have downloaded and opened a malicious file attached to an email, is my computer infected?

It depends on the file format. Executable files (.exe and similar) can compromise a system almost immediately upon launch. Documents such as PDFs or Office files typically require the user to take an extra step - like enabling macros - before malware activates.

I have read the email but did not open the attachment, is my computer infected?

No. Simply reading or viewing an email is harmless. Infection requires the user to actively open a malicious attachment, click a harmful link, or otherwise interact with dangerous content within the message.

Will Combo Cleaner remove malware infections that were present in email attachment?

Yes. Combo Cleaner can detect and remove the vast majority of known malware. Running a full system scan is important, however, as more advanced threats can hide deep within the system and require thorough scanning to be fully identified and eliminated.