Hundred of us fall victim to medical health insurance fraud every day and the problem for most of us is that it can be very difficult to spot until it is too late. In most cases it is not until you come to make a claim which is denied that you discover that you have joined the growing list of people who have been victims of this particularly nasty form of fraud.
One of the problems with health insurance fraud is that there are many different forms of fraud perpetrated today and some of these are very cleverly carried out and extremely difficult to spot. There are however a number of things that you can do to help protect yourself.
First, you should always be wary of any health insurance plan which offers you excellent coverage at a very low cost. Medical bills have been rising consistently for some considerable time now and health insurance, in whatever form you purchase it, is not a cheap item. So, if you are offered a plan at a price which seems too good to be true then the chances are that it is not true.
Second, you should be especially suspicious of unsolicited mail which offers you discounted health insurance and your suspicions should be heightened if this offer comes from a company whose name you do not recognize. Fraudsters are especially adept at using names which closely resemble well known household names but which, on close inspection, are found to be spelt slightly differently. If you are not sure about the company but feel that it might be genuine then check with your State Insurance Commission to see if they are aware of the company and, more importantly, have licensed it to sell insurance in your state.
Thirdly, if you receive an offer which appears to be genuine you should read through it in its entirety and pay close attention to any fine print. Even if the offer is genuine, it is the fine print which covers such things as exclusions, which may transform an apparently good offer into a very costly one.
Forth, if a salesperson calls with an offer and asks you either to pay in cash or to pay the full amount of any premium up front then you this is almost certainly a case of fraud.
These are just a few of the steps that you can take to protect yourself against medical health insurance fraud. Perhaps the best answer however lies in only ever purchasing a health insurance plan from a well established and reputable company with a sound track record.
Remember too that there is perhaps nothing better than a personal recommendation from somebody you know and trust. So, if you have a friend or family member who has a plan with a particular company and has had a good experience of dealing with that company, including making claims against their plan, then this is one of the best places to start your own search for sound health insurance.
Health Insurance For Congress
Health insurance fraud is a particularly nasty form of fraud and can be extremely lucrative for the perpetrators. There are a number of steps that you can take to minimize the risk of becoming a victim but, even if you take care in choosing your health insurance plan, there is still a chance that you will get caught. So, what do you do if you find that you have become a victim of health insurance fraud?
The first thing that you should do is to contact your State Insurance Commissioner's office to file a health insurance fraud complaint. This will also allow you to alert your State Insurance Commissioner to the problem so that other people can be warned, thus helping to limit the number of people who will fall victim to this particular fraudster.
The second thing you should do is to contact your bank or credit card company so that you can stop any further payments from being made on your plan.
The third thing to do is to contact your local law enforcement agency so that they too can join the hunt for this fraudster, put a stop to any further damage and bring the culprit to justice.
Having taken these three immediate actions you should then sit down and carefully gather together everything you have in relation to your plan which might assist in any investigation. This will include getting hold of the plan itself, any correspondence associated with it, cancelled checks, bank or credit card statements and anything else you think might be relevant.
This should be the end of the matter for now but unfortunately it may be just the start of your problems.
One extremely common and growing crime in our society today is that of identity fraud and, having got hold of your bank or credit card details, your social security number and a great deal of personal information about you in support of your health insurance plan application, the fraudsters may well go on to literally steal your identity.
To check to see if this is the case you should obtain copies of your personal credit report from all three of the major credit reporting agencies as quickly as possible. If these are clear then it is a matter of waiting and watching and should you spot any unauthorized activity being carried out in your name then you will need to take action. Indeed, if you even suspect that you may become the victim of identity theft there are several steps which you can take to help avert disaster, although this is a subject which needs to be covered in its own right and is beyond the scope of this short article.
However hard we try the criminals will always manage to get through to some of us and, if you are unable to stop them in the first place, the next best thing is to know exactly what to do once they have struck.
Donald Saunders has sinced written about articles on various topics from Health Insurance, Forex Training and Diabetes Treatment. MedicalHealthInsuranceToday.com provides information on all aspects of from group health insurance plans to the advantages of. Donald Saunders's top article generates over 165000 views. to your Favourites.
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