| Hundred of us fall victim to medical health | | | | differently. If you are not sure about the |
| insurance fraud every day and the problem for | | | | company but feel that it might be genuine |
| most of us is that it can be very difficult | | | | then check with your State Insurance |
| to spot until it is too late. In most cases | | | | Commission to see if they are aware of the |
| it is not until you come to make a claim | | | | company and, more importantly, have licensed |
| which is denied that you discover that you | | | | it to sell insurance in your state. |
| have joined the growing list of people who | | | | |
| have been victims of this particularly nasty | | | | Thirdly, if you receive an offer which |
| form of fraud. | | | | appears to be genuine you should read through |
| | | | it in its entirety and pay close attention to |
| One of the problems with health insurance | | | | any fine print. Even if the offer is genuine, |
| fraud is that there are many different forms | | | | it is the fine print which covers such things |
| of fraud perpetrated today and some of these | | | | as exclusions, which may transform an |
| are very cleverly carried out and extremely | | | | apparently good offer into a very costly one. |
| difficult to spot. There are however a number | | | | |
| of things that you can do to help protect | | | | Forth, if a salesperson calls with an offer |
| yourself. | | | | and asks you either to pay in cash or to pay |
| | | | the full amount of any premium up front then |
| First, you should always be wary of any | | | | you this is almost certainly a case of fraud. |
| health insurance plan which offers you | | | | |
| excellent coverage at a very low cost. | | | | These are just a few of the steps that you |
| Medical bills have been rising consistently | | | | can take to protect yourself against medical |
| for some considerable time now and health | | | | health insurance fraud. Perhaps the best |
| insurance, in whatever form you purchase it, | | | | answer however lies in only ever purchasing a |
| is not a cheap item. So, if you are offered a | | | | health insurance plan from a well established |
| plan at a price which seems too good to be | | | | and reputable company with a sound track |
| true then the chances are that it is not | | | | record. |
| true. | | | | |
| | | | Remember too that there is perhaps nothing |
| Second, you should be especially suspicious | | | | better than a personal recommendation from |
| of unsolicited mail which offers you | | | | somebody you know and trust. So, if you have |
| discounted health insurance and your | | | | a friend or family member who has a plan with |
| suspicions should be heightened if this offer | | | | a particular company and has had a good |
| comes from a company whose name you do not | | | | experience of dealing with that company, |
| recognize. Fraudsters are especially adept at | | | | including making claims against their plan, |
| using names which closely resemble well known | | | | then this is one of the best places to start |
| household names but which, on close | | | | your own search for sound health insurance. |
| inspection, are found to be spelt slightly | | | | |