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Consumer Protection

Don't Be a Victim of Health Insurance Fraud

If you’re over the age of 60, you need to be cautious of health insurance or healthcare fraud. Unfortunately, some of these acts of fraud have cheated senior consumers out of hundreds, if not thousands, of dollars. The following tips will help you avoid being a victim of this type of fraud.

Tip #1: Get an Explanation

Prior to any appointment you may have with a doctor or other healthcare professional, be sure to find out exactly what your insurance will cover; you have that right. If you have any questions about your benefits, take the time to talk to your insurance provider.

Tip #2: Avoid Door-to-Door Sales

It is in your best interest to avoid any contact with door-to-door salespeople, especially if they tell you some type of medical equipment can be yours for free. Be sure to only purchase the medical equipment you need through a trusted source, such as a referral from your doctor or insurance provider.

Tip #3: Keep Your Medicare Information Private

You should only give your Medicare information to a medical care professional or facility. You should treat this information as you would your Social Security Number or other type of personal financial information.

Tip #4: Keep Accurate Records

One of the best ways you can make sure you are only paying for what you should is to keep record of all bills, services received and payment history. It is important that you review your "Statement of Benefits" carefully so you can make sure nothing extra was charged to your insurance provider. If you see a discrepancy, call your insurance provider immediately.

If you feel you have experienced any type of fraud, talk to your local law enforcement office and let them help you get things in order. They are happy to help you along the path to recover what is rightfully yours.

Sources:
1. http://www.ncoa.org/enhance-economic-security/economic-security-Initiative/savvy-saving-seniors/top-10-scams-targeting.html?referrer=https://www.google.com/
2. http://www.fbi.gov/scams-safety/fraud/seniors

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