Thousands of people fall victim to health insurance fraud every day. It can be extremely difficult to spot the fraud until it's too late. In many cases, it's not until you are denied a claim that find out you've joined the growing list of victims of this especially unpleasant form of fraud.
The biggest obstacle in combating health insurance fraud is the variety of techniques being perpetrated. Most are cleverly carried out and very difficult to spot. However, there are a few things that you should do in order to protect yourself and your family.
1. Be wary of any health insurance plan that promises you excellent insurance coverage at an extremely low cost. For years, medical procedures and other health-related costs have been continuously rising. Health insurance, in whatever form you purchase it, isn't a "cheap" item. If you are offered insurance coverage at a price appearing too good to be true, chances are you've stumbled across a possible scam.
2. Be suspicious of any unsolicited mail that offers you low cost insurance. Your alert level should be heightened if those offers come from an insurance provider whose name you don't recognize. Scammers are particularly adept at using names or brands that closely resemble popular national names, but after closer inspection, you'll find they have been spelled slightly different.
If you are not certain about an insurance provider, but feel that they could be genuine and honest, check the State Insurance Commission to verify first. You will also want to be sure the company has been licensed to sell insurance in your city or state.
3. Before you accept an offer that seems to be genuine, read it through closely and pay extra attention to all fine print. Even if an insurance offer is proven to be genuine, the fine print may detail numerous exclusions affecting your needs. This turns a great offer into a very expensive one should you ever need to file a claim.
4. If a salesperson calls with a great health insurance offer, but urges you to either pay up front, or to pay in cash, immediately hang up. This type of advance fee tactic is the most common form of health insurance fraud.
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