Medical Scams Are Big business!

Medical scams are vicious and can take your name, home, business and everything you own.

Medical scams cost us billions and can cost you everything you own.

This kind of identity theft is a scammer’s dream and a victim’s nightmare.

These types of health insurance scams happen mainly because of greed.

Sometimes it happens because of need and sometimes stealing the health care of another happens because a person can’t afford the medical treatment they need.

Medical records are another big target for identity theft. Scammers love this type of medical scam.

This type of scam is called “full” primarily because it contains Social Security numbers, payment accounts, addresses; everything a thief needs to establish the identity of someone else.

  • The scary part of this scam is the fact that since 2008 it has more than doubled.
  • The National Study on Medical Identity Theft estimates over 1 million Americans have been victims of this type of theft in the last two years.
  • Believe it or not, more than one-half million Americans lent their insurance card to loved ones that were uninsured in what is called “friendly fraud” cases and ends with huge medical bills.

The bank doesn’t eat the losses like in credit card fraud.

Often, medical identity theft victims end up paying for care they didn’t receive.

Because of the incident, many victims will lose their health insurance or will have to pay much higher premiums to restore it.

To resolve a case of medical id theft, it can cost on average, out of pocket, more than $20,000.

Cyber crime now allows a thief a much bigger opportunity to steal your medical information because, with a push from the Obama administration, more and more patient health records are now being computerized.

Sadly, in general, the best safeguards are not put into place by health care organizations.

If someone uses your identity to get health care, it can jeopardize your ability to get services, compromise your own treatment and change your medical records.

Medical records that are stolen have absolutely all the personal information an identity thief needs.

It also allows the thief access to get a passport using the victim’s name that could also be used for terrorism.


Medical Scams Protection Tips

  • Make sure you have your doctor’s office make copies of all the information in your medical file.

You may have to pay for this service, but it’s worth it.

  • Discuss with your health care provider that they check every patient's photo id.
  • Ask to receive an itemized list of all the benefits that were paid in your name and the “accounting of disclosures”.

This document shows who got your records.

  • Make sure you read everything you receive from insurers, even the ones that are marked “Not A Bill”.
  • If you notice a treatment date or doctor’s name that is not familiar call your insurer and physician.
  • Always remember to monitor your credit report. You can go to www. AnnualCreditReport.com.
  • Contact you insurer and the three credit bureaus, Experian, TransUnion and Equifax if you see any billing errors.
  • Contact your insurance provider if you lose your insurance card.
  • Make a photocopy of your Medicare card and obscure the last four digits of your Social Security number.

Do Not carry your Medicare card in your wallet.

Because medical scams have become such big business on the black market, it pays to learn as much as you can about this and how to protect yourself from becoming a victim.




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