Health 2.0 Conference Reviews The Health Insurance Fraud and Tips To Avoid It

What if someone calls and says you can claim your health insurance at a way lower price? All you need to do is to give your personal information to them. Seems too good to be true? Then it could be a fraud. 

Finding genuine, high-quality health insurance coverage and paying for health insurance can be challenging. Policyholders are susceptible from buying a suitable plan to finding a reputable in-network doctor and dealing with medical claims. Health insurance fraud is a significant crime that could have profound implications. Since the health insurance industry is facing many issues related to fraud. Because older adults often use health care services, they can sometimes get scammed by having their money or identity stolen from them. The punishment is severe for those who indulge in fraudulent activities. As reviewed by insurance experts at Health 2.0 Conference, today’s health industry is going through significant loss because of the rampant increase in fraudulent activities.

How To Spot Health Insurance Fraud & Tips To Avoid It?

Do not become a victim of health insurance fraud. Let us discuss a few crucial points you can take note of to avoid getting duped in health insurance. 

Fake Health Insurance Plans:

Fraudsters call and try to sell you health insurance plans that are fake. All they need is to get your personal information so they can use it for themselves. They will also imitate the website’s layout and content to fool the advertisers. Health experts from Health 2.0 Conference have also suggested that this scam is widespread in today’s healthcare industry.

Never share your personal information, such as name, address, credit card number, etc., to a stranger on the phone, online, by mail, or in person. Find out the insurance company’s name and check its online details to see if it is accurate or if there are any complaints about them. If necessary, call the concerned officials that oversee insurance companies. 

Medical Plans As Health Insurance:

Fraudsters try to sell you a medical discount plan. They charge you a low fee and claim you will get discounts on some goods. But these plans are not health insurance plans. They don’t meet minimum coverage requirements. 

If you need to know if their offering is actual or not? Contact the health department of your state or check online for verification. Always read and understand a health insurance plan before you buy it. 

Imposter As A Government Official:

As reviewed by insurance experts at Health 2.0 Conference, Scammers call or email you, claiming they are government officials. They ask for personal confidential information or details about your health insurance status. They might tell you that you will owe money to them or will go to jail if you do not sign up with them. 

The government will never call or ask about your health insurance status. If someone contacts you from the government seeking personal or financial information, ask for their identification and try searching them online. 

Fraud Billings:

Scammers or even some genuine health care providers bill you or your insurance for goods or services you have never received. It is called fraudulent billing. It makes health care costs higher than the actual costs. Due to the lack of knowledge of ordinary people, fraudsters try to dupe you by billing on services you have never exercised during your treatment. There are many cases where illegal claims have been made, For example – unwitnessed accidents or injuries that are not reported on the spot, etc. In some cases, the insurer and physicians commit this fraud. Healthcare providers also commit this fraud by billing insurers for treatment covered by the insured’s policy, even if the same treatment has not been given to the patients.

Read all your documents on your health insurance carefully. Look for the extra payment that does not add up. Call your insurance provider immediately if you have received a bill you don’t owe or have not exercised.

Charging Fees:

Do you know what a navigator is? They assist you in applying for coverage with health insurance. If someone calls you and demands fees on behalf of applying for a health insurance policy for you, disengage immediately. Do not give the bank, credit card, or personal information or make a payment in exchange for assistance. 

Medical Identity Frauds: 

A medical identity scam involves a criminal using personal information, such as your health insurance policy number and codes, to either charge you fraudulently or collect benefits and payments under your name. 

Do not enter personal information on a website in exchange for a price quote. You likely are setting yourself up for identity theft. Make sure you know your insurer before disclosing any confidential information. Check all the details of your health insurance policy.

Ambulance Fraud:

During an emergency, most people feel worried. Unfortunately, when people are going through a crisis, some people will try to take advantage of the opportunity. Fraudsters use that oversight to add inessential charges for ambulance services. An ambulance service provider may charge a patient for more distance than the actual travelled distance. 

Knowing the ambulance service provider beforehand might help. For such unfortunate situations, it is always advisable to keep emergency services contact numbers handy. 
The health insurance policy is a game-changer for everyone who needs to get their treatment done in the best available facilities. The health insurance industry is expanding today, and many insurance companies offer customers various health insurance policies. At the same time, fraudsters always try to pry on ordinary people on behalf of these health insurance companies to fulfil their agenda. We should be more mindful of and vigilant about our health services. Additionally, you can always learn more about the health industry, the frauds and scams related to it, and much more at the Health 2.0 Conference, scheduled to be organized this fall.