Healthcare has moved onto your phone. That sounds convenient until you are staring at a login screen, trying to refill a prescription, book a telehealth visit or figure out why your insurance portal will not load.

For many older adults, this shift has created a new kind of health problem. It is called low digital health literacy, and it can affect much more than your patience.

Digital health literacy means having the knowledge, access and confidence to use online health tools. That includes apps, patient portals, prescription refills, telehealth visits, benefit websites and digital forms.

New research from CVS Health on Medicare-age adults found that many seniors want to use digital health tools. However, they often hit roadblocks that make care harder to manage. Those roadblocks include confusing portals, privacy concerns, outdated devices, spotty internet and hard-to-follow health information.

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That can lead to missed appointments, delayed care, prescription problems and more stress for people already managing health challenges.

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Why digital health literacy affects your care

Healthcare companies, insurance plans, pharmacies and doctors’ offices now rely heavily on digital tools. You may need an app to check test results. You may need a portal to message your doctor. You may need a website to understand your benefits.

That works well when the tool feels simple. It becomes a problem when the tool creates more confusion than clarity.

The CVS Health research found that digital health literacy challenges appeared across several common areas. Many older adults struggled to navigate health information online. Others worried about whether websites or apps could protect their personal information. Some lacked reliable internet or newer devices. Many simply felt unsure about what to click next.

That uncertainty matters. When someone cannot access a portal, understand a benefit or complete a refill request, digital care becomes a barrier instead of a shortcut.

Why seniors need better digital health support

One of the most important findings is encouraging. Older adults are not rejecting technology across the board. In fact, the research found that 86% of respondents were open to digital health engagement. Many were willing to learn. They just wanted tools that matched their comfort level.

That point challenges a common assumption. The bigger issue is design. Many people want to use digital health tools, but the experience often feels confusing. A person may use a smartphone every day and still struggle with a health portal. Health tasks can feel more stressful than everyday online tasks because the stakes are higher. A wrong click can feel risky. A confusing message can raise anxiety. A failed login can delay something important.

Common digital health problems older adults face

The research points to several pain points that will feel familiar to many older adults.

1) Confusing portals and health websites

Many people feel overwhelmed when trying to find health information online. They may not know which portal to use, where to check benefits or how to fix an error message. This gets harder when each doctor, pharmacy or insurer uses a different system. One login handles test results. Another handles prescriptions. A separate website shows insurance coverage. That creates a lot of digital homework.

2) Passwords and login problems

Simple tasks can fall apart at the login screen. Forgotten passwords, two-factor codes and account lockouts can stop someone from getting the care information they need. Security matters. Still, a login process that feels impossible can push people away from digital care entirely.

3) Privacy and scam concerns

Many older adults worry about sharing personal information online. That concern makes sense. Health accounts can contain sensitive details, including medications, diagnoses, insurance information and payment data. Scammers also target older adults with fake medical messages, bogus pharmacy alerts and phishing emails that look official. As a result, some people hesitate even when a real health message arrives.

4) Old devices and weak internet access

Digital health tools assume people have reliable internet, updated phones and working software. Many do not. Older devices may run slowly or fail to support newer apps. Limited internet access can make telehealth frustrating. Cost can also stop people from upgrading devices or paying for faster service.

Why telehealth still feels risky for some seniors

Telehealth became familiar to many people during the pandemic. The research found that many Medicare respondents had previous telehealth experience and saw its convenience. Still, some remained skeptical. The biggest concern was whether telehealth could actually address their health problem.

That hesitation makes sense. A video visit may work well for a follow-up question, medication discussion or minor issue. It may feel wrong for a new symptom, pain that needs an exam or anything that feels urgent. The takeaway is simple. Telehealth works best when patients understand when to use it and when to ask for in-person care.

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How AI could change digital health literacy

AI is starting to appear in healthcare tools. It may help explain benefits, answer basic questions and guide people through online tasks. Used well, AI could reduce frustration. It could translate confusing health language into plain English. It could help someone find the right next step faster.

However, AI also creates a new challenge. People need to know when they are dealing with AI, what the tool can do and when they should ask for a real person. That human backup is important. For healthcare, trust often depends on knowing help is available when something feels confusing, sensitive or serious.

How to use health apps safely

If you have ever felt stuck inside a health app, you are not alone. Digital health tools can help you manage care, but only when you know how to use them safely. Here are the key things to know.

1) Keep a written list of your health logins

Keep a secure list of your main health websites and apps. Include your doctor portal, pharmacy account, insurance account and telehealth platform. A password manager can make this much easier. It can store strong passwords, fill them in for you and reduce the chance that you type your information into a fake site. Check out the best expert-reviewed password managers of 2026 at CyberGuy.com.

On iPhone running: Go to Settings > General > AutoFill & Passwords. Turn on AutoFill Passwords and Passkeys. Then choose the password app you want to use. Apple says Password AutoFill can fill saved passwords and passkeys from the Passwords app or supported password apps.

On a Samsung phone: Settings may vary depending on your Android phone’s manufacturer

Go to Settings > Security and privacy > More security settings > Passwords, passkeys and autofill > Preferred service. Choose Samsung Pass, Google or your preferred password manager. If you do not see that path, open Settings and use the search bar at the top to search Preferred service.

2) Go straight to the official website or app

If you get a text or email about your health account, avoid clicking the link. Open the official app from your phone’s home screen. You can also type the website into your browser yourself. This one habit can help you avoid many phishing scams. If a message says your account has a problem, do not use the link in that message. Go directly to the health app, pharmacy app, doctor portal or insurance website.

3) Turn on two-factor authentication

4) Ask for human help when you get stuck

You should not have to guess your way through healthcare. If a portal confuses you, call the provider, pharmacy or insurance plan directly using the number on your card or the official website. Ask them to walk you through the task slowly. You can also ask whether they offer in-person help, phone support or printed instructions.

5) Use telehealth for the right kind of visit

Telehealth can work well for follow-ups, prescription questions, some mental health appointments and simple care needs. For new symptoms, severe pain, breathing trouble or anything that feels urgent, ask whether you need in-person care. When in doubt, call a medical professional.

6) Check app permissions

Health apps may ask for access to your location, camera, microphone, photos or notifications. Some permissions make sense. Others may not be necessary.

On iPhone: Go to Settings > Privacy & Security. Tap the item you want to check, such as Location Services, Camera, Microphone or Photos. Tap the health app you want to review. Choose the safest option that still lets the app work. Apple says this area lets you review which apps can access features such as the camera, microphone and location.

To check notifications on iPhone, go to Settings > Apps > [name of health app] > Notifications. Turn Allow Notifications on or off.

On a Samsung: Settings may vary depending on your Android phone’s manufacturer Go to Settings > Apps > tap the three dots in the upper-right corner > Permission manager. Tap a permission, such as Location, Camera or Microphone. Tap the health app you want to review. Choose Allow only while using the app, Ask every time or Don’t allow, depending on what you want the app to access.

To check notifications on Samsung, go to Settings > Apps > [name of health app] > Notifications. Turn notifications on or off.

7) Keep your phone and health apps updated

Updates can fix bugs and close security holes. They can also make apps work better with your doctor, pharmacy or insurance portal.

On iPhone: Go to Settings > General > Software Update. Wait for the screen to check for updates. If an update appears, tap Download and Install and follow the instructions.

To update apps on iPhone, open the App Store. Tap your profile picture in the top-right corner. Scroll down to App Updates. Tap Update next to the health app or tap Update All.

On a Samsung phone: Settings may vary depending on your Android phone’s manufacturer Go to Settings > Software update > Download and install. If an update appears, tap Install now and follow the instructions.

To update apps on Samsung, open the Google Play Store. Tap your profile picture in the top-right corner. Tap Manage apps & device. Tap Updates available. Tap Update next to the health app or tap Update all.

For Samsung apps, open the Galaxy Store app. Tap Menu in the bottom-right corner. Tap Updates. Tap Update all to update everything, or tap the update icon next to one app to update it by itself.

8) Add strong antivirus software 

Strong antivirus software can help protect you from scam links, fake websites, malicious downloads and other online threats. This protection can also alert you to phishing emails and ransomware scams, keeping your personal information and digital assets safe. This matters because health accounts can contain personal details, insurance information and prescription data. Get my picks for the best 2026 antivirus protection winners for your Windows, Mac, Android and iOS devices at CyberGuy.com.

9) Watch for scam warning signs

Be careful with messages that create panic. Scammers may say your benefits will stop, your prescription has been canceled, or your account has been locked. Look for spelling errors, strange links, urgent demands and requests for payment. Real health organizations should never pressure you to share passwords or one-time codes. If you are unsure, stop and call the company using a phone number from your card, bill or official website.

How to help a loved one use health apps

Many older adults want support, not someone taking over the whole process. If you help a parent, spouse or friend, sit beside them and let them do the clicking when possible. Explain what each step means. Help them save official websites as bookmarks so they can return safely later. Also, slow down. Healthcare already feels stressful. Technology can make that stress worse when someone feels embarrassed or rushed. A little calm help can build confidence over time.

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Kurt’s key takeaways

Digital health tools are now part of everyday care. They can save time and make routine tasks easier. Yet they can also leave people behind when the design feels confusing, or the support disappears too quickly. The best health technology should make people feel more in control. That means simple logins, clear instructions and an easy way to reach a real person when something goes wrong. For older adults and the families who love them, digital health literacy has become a practical safety skill. It can affect whether people book appointments, refill medications and feel safe using online care.

When your healthcare moves onto a screen, who should be responsible for making sure you can actually use it? Let us know by writing to us at CyberGuy.com.

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It’s possible that AI was used to write parts of Pope Leo XIV’s latest encyclical about AI’s impact on humanity. An analysis by Linch Zhang posted on the forum LessWrong found certain paragraphs of Magnifica Humanitas to be between 40 percent and 100 percent written by AI, according to the popular AI detector Pangram.

The document includes known traits that appear in AI-generated writing, such as a higher use of the word “genuinely” — which crops up in writing by Anthropic’s Claude — than previous encyclicals, Zhang says. Another person ran the text of the document section by section through Pangram, finding that 62 percent of its first chapter was flagged as AI generated. When The Verge ran roughly 2,000 words of the document through Pangram, it estimated that 46 percent was AI-written.

Still, other portions register as being written by humans. Zhang notes that Pangram flagged some sections as “essentially 0% AI.” The first 20 paragraphs of the last four encyclicals, when run through Pangram, had a 100 percent confidence of being human written. And a transcript of Pope Leo’s speech, run through Pangram, was also rated as 100 percent human.

AI detection isn’t foolproof. Different AI detectors can display different results, and even when there’s consensus there’s no guarantee they’re correct. But Pangram is generally respected among AI researchers. In March 2025, Pangram said it estimated its false positive rate of reporting human-written work as AI-generated “to be approximately 1 in 10,000.”

Encyclicals are lengthy letters published by the pope, meant to impart teachings that address important moral and social challenges of the time, according to The New York Times. This encyclical is the pope’s first, with the most recent one written by Pope Francis in October 2024. It’s also the first to focus on AI and its wide-ranging influences, with Pope Leo notably presenting it alongside Christopher Olah, a co-founder of Anthropic.

The Vatican didn’t immediately reply to a request for comment.

Your phone lights up. The number looks local. You answer because maybe it is the doctor, the school, a delivery driver or someone you actually need to hear from. Then comes the pause.

That tiny silence before a recorded voice kicks in has become one of the most annoying sounds. Spam calls have turned the phone in your pocket into a daily guessing game. Is this real? Is this urgent? Or is someone trying to trick me?

In its latest report, the Federal Trade Commission says consumers filed more than 2.6 million Do Not Call complaints. Robocalls made up most of the complaints tied to Do Not Call violations.

So, where are these calls hitting hardest, what kinds of calls are people reporting most and what can you do before the next unknown number shows up on your screen?

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What the FTC spam call data shows

The FTC’s 2025 National Do Not Call Registry Data Book tracks complaints about unwanted telemarketing calls. It also breaks down whether those calls came from live callers or robocalls. The most reported topics included debt reduction, imposter scams and medical and prescription calls. That mix says a lot. Scammers and aggressive telemarketers often reach people when money, health, bills or personal information are involved. Those are the moments when people feel rushed or unsure. They are also the moments when one bad call can do real damage.

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Where spam calls hit hardest

Arizona had the highest complaint rate in the country in the FTC’s latest 2025 report, with 1,028 Do Not Call complaints per 100,000 people. Tennessee followed with 1,017 complaints per 100,000 people.

Nevada, Illinois and Florida rounded out the top five states for complaints per 100,000 people.

That ranking shows where unwanted calls hit hardest once population is factored in. Still, spam calls can hit anyone with a phone.

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Why robocalls keep reaching your phone

A robocall uses a recorded or automated voice message. Some robocalls are legal. A school alert, pharmacy reminder or flight update may use automated calling without trying to sell you anything. Sales robocalls are different.

The FTC says a robocall trying to sell you something is illegal unless the company got written permission from you first. The company also has to be clear that it is asking to call you with robocalls. It cannot force you to accept those calls just to buy a product or use a service.

Yet illegal robocalls keep coming because the math works for scammers. Calling technology is cheap. Scammers can send huge numbers of calls quickly. They can also spoof caller ID, which makes a call look like it came from a local number or a familiar organization.

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That is why a nearby area code can be so misleading. The call may look local, but the person behind it could be anywhere.

Why the Do Not Call Registry cannot block every spam call

The National Do Not Call Registry can reduce unwanted sales calls from legitimate companies that follow the law. It lets consumers add their phone numbers and opt out of most legal telemarketing calls. But scammers are not worried about following the rules.

That does not make the Registry useless. It can help you spot suspicious calls faster. If you are on the Registry and still get a sales call that violates the rules, treat that call with extra caution. The FTC says the Registry had about 258.5 million active registrations as of Sept. 30, 2025.

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Spam call red flags to watch for

Spam calls often rely on pressure. The caller wants you to act before you think.

Be careful if a caller says you owe money and must pay right away. Watch out for anyone who asks for gift cards, cryptocurrency, wire transfers or payment apps.

Also, be skeptical of callers who claim to be from Medicare, Social Security, your bank, a utility company or law enforcement. Scammers use familiar names because they know people pay attention.

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If someone calls unexpectedly and asks for personal information, hang up. Then contact the company or agency using a number from its official website, your statement or the back of your card.

Ways to stay safe from spam calls

Spam calls are easier to handle when you slow everything down. These steps can help you avoid the trap before a scammer gets you talking.

1) Let unknown spam calls go to voicemail

If the call matters, the person can leave a message. Scammers often hang up when they hit voicemail. This simple habit can keep you out of fake emergencies, fake debt offers and fake account warnings.

2) Do not press a number to opt out

A robocall may say, “Press 2 to be removed.” That sounds helpful, but it can backfire. The FTC says pressing a number to speak to someone or remove yourself from a list will probably lead to more robocalls. Hang up instead.

3) Turn on spam call blocking from your carrier

Most major wireless carriers offer spam detection or call blocking tools. Check your carrier’s app or account settings. These tools will not catch every call. Still, they can reduce the number of obvious junk calls that reach your phone.

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4) Use your phone’s built-in spam call controls

On iPhone, go to Settings > Apps > Phone > Screen Unknown Callers. From there, you can choose Never, Ask Reason for Calling or Silence. Choose Silence if you want unknown callers sent to voicemail. You can also go to Settings > Apps > Phone > Call Filtering and turn on available spam filtering options if your carrier supports them.

On Samsung, open the Phone app > three dots > Settings > Caller ID and spam protection. Turn it on, then enable Block spam and scam calls. You can choose the level of blocking that works best for you. You can also go to Phone app > three dots > Settings > Block numbers and turn on Block calls from unknown numbers. Settings may vary depending on your Android phone’s manufacturer

5) Use a data removal service

Your phone number, home address, relatives, age and other personal details may already be listed on data broker and people-search sites. Scammers can use that information to make a call sound more personal.

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A data removal service can help remove your information from many of these sites and keep checking when it comes back. You can also do this manually, but it takes time because each site has its own opt-out process.

This will not stop every spam call. However, it can reduce how much personal information scammers can find about you online.

Check out my top picks for data removal services and get a free scan to find out if your personal information is already out on the web by visiting Cyberguy.com

6) Register your number with the Do Not Call Registry

Add your personal phone number to DoNotCall.gov. It is free, and it can help reduce legal telemarketing calls from companies that follow the rules.

The Registry will not stop every scam call. However, it can make illegal or suspicious calls easier to recognize.

7) Report and block illegal spam calls

Report unwanted telemarketing calls at DoNotCall.gov. The FTC asks consumers to report the number that received the call, the number shown on caller ID and the date and time, if possible.

Even if the number looks fake, report it. The FTC analyzes complaint data and calling patterns to help identify illegal callers. It also shares reported numbers with partners working on call blocking and labeling tools.

After you report the call, block the number on your phone. Scammers may spoof new numbers, but blocking still helps cut down on repeat calls from the same source.

8) Never give personal details to an unexpected caller

Do not confirm your Social Security number, Medicare number, bank details, password, one-time code or home address during an unexpected call. If the caller claims to represent a real company, hang up. Then contact that company using a verified number.

Join CyberGuy Live: Lock Down Your Phone in 30 Minutes (Saturday, June 13, 10 am ET)

Your phone holds your email, passwords, photos, banking apps and personal data. In this free, live online class, Kurt the CyberGuy will walk you step by step through simple phone security fixes you can do in real time. You’ll learn how to improve your privacy settings, spot the latest phone scams, use trusted security tools and walk away with a simple checklist to stay protected. Register here: CyberGuyLive.com

Kurt’s key takeaways

Spam calls have become one of those everyday annoyances that can turn serious fast. One minute, you think you are answering a local call. The next, someone may be trying to scare you into paying a fake bill, sharing personal information or pressing a button that leads to even more calls. The FTC’s latest data shows complaints are rising again, and robocalls remain a major part of the problem. Arizona, Tennessee, Nevada, Illinois and Florida saw the highest complaint rates once population was factored in. The best move is to slow everything down. Let unknown numbers go to voicemail. Do not press buttons during robocalls. Turn on your carrier’s spam tools and use your phone’s built-in call protections. If an illegal call gets through, report it. The big takeaway: caller ID no longer deserves blind trust. A number can look local, familiar or official and still be fake.

How many times have you answered a call because the number looked familiar, only to realize you may have just helped a scammer know your line is active? Let us know by writing to us at CyberGuy.com.

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Copyright 2026 CyberGuy.com. All rights reserved.