Health Care Laws
Scam On The Rise!

The new health care laws are already becoming a huge opportunity for identity thieves.

Beware of health care laws and identity theft.

There are warnings from the attorney general and the state insurance commissioner's office about a new wave of scammers.

These scammers are immediately taking advantage of the uncertainties concerning the new health care laws.

People are extremely frightened, very scared and terribly confused about the new laws.

  • This confusion and fear give the health insurance scams an enormous opportunity to take advantage of the situation and leaves you wide open to becoming a victim of the thieves', medical scams, which are becoming more and more popular.
  • It also leaves you vulnerable to become a victim of identity theft.
  • The largest percentage (38%) of boomers makes up the biggest segment of the generation from 1952-1958.

The scammer loves it when people are not informed and will take advantage of people who don’t know better.

These medical scams are the perfect example for how creative thieves can be.

Go to types of identity theft to become educated on all the different scams making the rounds.

Scammers may email, call or show up at your door stating under the new law you will go to jail if you don’t purchase health insurance.

It’s possible the thief will even pose as a government agent and tell you the policies they're selling are “ObamaCare” insurance policies.

  • The requirement for people to have health care insurance does begin until 2014 and even then, if you don’t have it you be jailed.
  • There is no such thing as ObamaCare coverage.
  • No “limited enrollment periods” exists.
  • No “real” government official sells insurance.

Health Care Laws and
How To Protect Yourself

  • Protect yourself from these health insurance scams. Never give your personal information such as your bank account number, credit card or Social Security number to anyone you don’t know.
  • Call your state insurance department before you sign up for any insurance policy to find out whether the seller and policy are legitimate.
  • Understand at least the main requirements of the new health care reform law.

Health Laws - 10 Things To Know

  • Things of the past are pre-existing medical conditions. These conditions can’t be used by the insurers to deny coverage for children from this year on, or adults starting in 2014.
  • More than 32 million more Americans can get insurance.
  • This law guarantees the basic benefits to everyone in Medicare for most preventative services which will be free. Gradually, this closes the “doughnut hole” in Part D of the drug program.
  • In July a temporary program will be set up that helps people with pre-existing health conditions who have been uninsured at least six months to obtain coverage.
  • For most people, it provides new benefits who already have insurance such as coverage for adult children until age 26.
  • By 2014 the new health care laws require most people to have coverage.

It also allows subsidies for those with low or moderate income and makes Medicaid available for more people.

  • State-run insurance exchanges will be created offering a list of insurance plans that are private for people who are self-employed, uninsured, or between jobs (in 2014).
  • Medical decisions will be left in the hands of your doctor.
  • To help small businesses, this law offers immediate tax credits so they can buy insurance for employees.
  • Medicare will be kept financially sound for almost 10 more years and will reduce the deficit by approximately $143 billion dollars.

Also, check out how a little known thing called copy machine identity theft can literally change your life and everything in it.

I hope this guide to a few of the basic laws will be of help in better understanding the new health care reform.

Health care laws don’t have to be scary. I also have Medicare and, at this point, no one is sure exactly how these new laws will affect everything. We should know in the next month or so. If you have questions, call your local Medicare office. In my case, I also keep in contact with my insurance broker.

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