Health insurance scams are fraudulent activities made by scammers to get personal details of customers of insurance companies. These scams are made to expose your details to those who might want to take advantage of it. So, it is important that you are aware of examples of health insurance scams and how to avoid it. That’s where this article comes in. This article would delve into details of health insurance scams, examples and other information you need to know about health insurance scams.
Health Insurance Scams Calls
Health insurance scam calls are done by scammers to offer you cheap health insurance plans. These scammers promise to give you these plans, which may include cheap drugs or discounted health coverage. All of this is done in a bid to get you to offer your details.
Usually, these scammers aim to get you to offer your personal information, such as your card details, name, address, and other information.
To avoid falling victim to health insurance scam calls, be sure to ask for the insurance provider’s name. Then, after the call, look up the name and their legitimate status. If you find out that they are not legitimate, report them. You can report insurance scams via the Federal Trade Commission’s website.
Examples of health insurance frauds
Here are some top examples of health insurance frauds:
1. Health Insurance Scammers May Claim To Be From The Government
The first trait of health insurance scammers is that they would claim to be from the government. In most cases, they would say that they are representatives of the government or a particular office of the government. When you are told this, keep in mind that they may be scammers. Insurance providers by the government do not just call to ask you personal information like that.
So, be careful when answering calls from health insurance scammers who claim are from the government and are keen on getting your details.
2. Health Insurance Scammers May Request For Money
Another well-known sign of a health insurance scam is that scammers would always request money. They wouldn’t just call you to ask for your well-being or anything else.
The most common subject that would be raised by these scammers would be about money. So, when you receive weird calls from these people, be sure to distance yourself from such conversations. You could record these calls to present them as evidence to the Federal Trade Commission.
3. Scammers May Want To Sell Fake Discount Plan
There have been experiences where scammers would want to sell fake discount plans to you. To avoid this, kindly pay attention to the price of the insurance plan they are offering. If the plans are ridiculously less than normal, don’t purchase.
READ THIS: Medicare Fraud Reporting
This could be a scammer reaching out to you. You mustn’t allow greed to get the best of you in this situation. Immediately, end such calls and contact your insurance provider through appropriate channels to confirm such information.
4. Scammers May Send Spam Links To You
One of the most recent tactics used in insurance health scams is the use of phishing links. These insurance scammers would spam your email with spam links. These links could include phishing links that may appear to be original.
All of these are tactics that are done to sway users to click on these links. If you click on any of these links, your personal information could become exposed. So, when you see these links, do not click on them.
Health insurance companies to avoid
These are health insurance companies that are not recommended by health insurance experts:
• Federal Employee Benefits
• Elevance Health
• State Farm
• UnitedHealth
• Unum
• Federal Employee Benefits
• Liberty Mutual
• Farmers
Conclusion
Health insurance scams are rampant in the United States. Almost everyone living in the country has had an experience involving insurance scammers. However, to avoid being a victim of such an event, it is advised that you read information about how to identify these scams and avoid them. Thankfully, this article has done justice to this topic.