| How to Spot Health Insurance Fraud
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| | salesperson that asks you to pay using
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| It's unfortunate fact: health insurance
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| | cash and/or requires you to pay the total
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| fraud is common in our society and it's
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| | amount of your premium in advance.
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| not always possible to protect yourself
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| | If you find that you are a victim of
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| from becoming a victim. In fact, most
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| | health insurance fraud, follow these
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| people won't even know they've fallen
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| | guidelines immediately:
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| prey to health insurance fraud until they
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| | 1. Contact your State Insurance
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| submit a claim for a medical service that
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| | Commissioner. Find out if they have any
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| they think is covered under their policy.
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| | other complaints about the company from
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| It's often not until after a claim is
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| | which you purchased your coverage. Also
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| denied that most people realize they've
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| | file a health insurance fraud complaint.
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| been a victim of health insurance fraud.
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| | 2. Contact your bank or credit card
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| Is it possible to keep yourself from
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| | company to stop any future automatic
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| becoming a victim of health insurance
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| | payments that may be scheduled.
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| fraud? Would you even know what to look
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| | 3. Contact your local law enforcement
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| for? While there probably are as many
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| | agency.
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| different fraud scenarios as there are
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| | Be sure to have all of your cancelled
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| victims, there is one thing that should
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| | checks or credit card statements and a
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| always throw up a glaring red flag:
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| | copy of the health insurance contract
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| health insurance coverage that seems too
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| | that you signed. Also get a copy of your
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| good for a price that seems incredibly
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| | personal credit report from all three
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| low.
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| | major credit reporting agencies as soon
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| Be wary of unsolicited mail that
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| | as possible. Many times people who
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| advertises discounted health insurance,
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| | perpetrate health insurance fraud also
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| especially if you're not familiar with
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| | use your personal information to steal
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| the name of the company making the offer.
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| | your identity and to commit other
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| Before you take any further action, you
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| | fraudulent acts.
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| should do what you can to research the
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| | Be smart and check out the health
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| credibility of the company. Health
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| | insurance company before you sign on the
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| insurance companies are rated at this web
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| | dotted line. As a final precaution, call
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| site You should also check with your
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| | your local hospital or personal physician
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| State Insurance Commission to see if the
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| | and ask if they accept the insurance. If
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| company is licensed to do business in
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| | not, at least find out if they have ever
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| your state.
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| | heard of the insurance. When it comes to
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| Most importantly, you also need to read
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| | protecting yourself from health insurance
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| the offer in its entirety, especially the
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| | fraud, an ounce of prevention really is
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| fine print. Be very careful of any
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| | worth a pound of cure.
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