| Health Insurance Fraud (insurance)
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Health Insurance Fraud
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Health Insurance Broker
For many people, seeking health insurance is a daunting prospect with a number of companies to choose from each offering a range of policies which can be both complex and difficult to decipher. For this reason it is often wise to employ the services of a broker to match your needs to the right health insurance company and policy.
Having chosen a broker it is a simple matter of giving hi... Read insurance article
Van and commercial vehicle insurance
Many van drivers and commercial vehicle owners often rely heavily on their vehicles as a source of income. For this reason it is important that you look after your vehicle well and make sure you are sufficiently insured should anything go wrong.
One of the most important factors of insuring your commercial vehicle is making sure you have the right cover for you vehicle and it's intended... Read insurance article
Health Insurance Fraud
Health insurance fraud is an everyday occurrence and it can be extremely difficult to protect yourself against it. Indeed, the majority of policyholders who fall victim to health insurance fraud are not aware of the fact until it comes to make a claim. It's not until that claim is denied that they realize that they have joined the growing number of victims of this particularly nasty form of fraud.
So, is it possible to stop yourself from becoming a victim of health insurance fraud?
The problem is that there are almost as many different forms of insurance fraud as there are victims and so spotting it can be very difficult. There is however one thing that should always make you suspicious and that is the offer of excellent coverage and a very low price. Medical costs are rising alarmingly and so is the cost of health insurance so, when somebody offers you a policy at a very low cost, tread warily.
Be particularly suspicious of unsolicited mail that offers discounted health insurance, especially if you do not recognize the name of the company that is making the offer. At this point your first step should be to do a little research on the company and you will find that health insurance companies are both listed and rated at http://www.ambest.com/. It is also a good idea to check with your State Insurance Commission to see whether the company has been granted a license to operate in your state.
If the offer appears to be genuine then read it in its entirety and pay particular attention to the fine print. The fine print, covering such things as exclusions, may turn a seemingly great offer into one that is potentially very costly. If a salesperson calls with an offer then you should also be very suspicious of any request to pay by cash or to pay the total amount of your premium in advance.
If you discover that you have become a victim of health insurance fraud then you should take the following steps without delay:
Contact your State Insurance Commissioner to discover if he has had any other complaints about the company in question and to file a health insurance fraud complaint.
Contact your bank or credit card company and put a stop on any future payments that may be scheduled.
Contact your local law enforcement agency.
You should also gather together any cancelled checks or credit card statements and a copy of the health insurance contract that you signed, together with any correspondence, to assist in any investigation.
Unfortunately this may not be the end of the matter but could be just the start, as many people who perpetrate health insurance fraud also use your personal information to steal your identity and to commit other fraudulent acts. So, you should also get a copy of your personal credit report from all three major credit reporting agencies as soon as possible and watch carefully for any signs of irregular financial transactions being carried out in your name.
Identify fraud is a major subject in its own right and beyond the scope of this article but, if you have been the victim of health insurance fraud, it is an area on which you should seek further advice.
Be careful and check out any health insurance company before you sign on the dotted line. You can never be too careful and, in addition to the checks suggested above, you should think about such things as asking others if they have ever heard of the company in question. This might include asking your doctor or local hospital. If they say that they won't accept insurance from the company, and indeed have never heard of it, then this should set bells ringing.
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Blue Cross Blue Shield Health Insurance
Blue Cross Blue Shield Health Insurance is one of the oldest, most established health insurance companies in the country. This company has been providing health insurance to generations of Americans and its customer base grows more and more each year. I am secure in the knowledge that my family and their health is protected since I have a Blue Cross Blue Shield Health Insurance policy.
I wish I could say this was always true. For a number of years I worked as a bartender and had no insurance coverage whatsoever. I was a nervous wreck that any accident or fall would put me in tremendous debt because I had no way to pay any hospital bills. Without my Blue Cross Blue Shield protection, I found myself not going to the doctor's, no matter how sick I was because I could not afford the price of a visit.
On one occasion, I hurt my ankle tripping over something in the dark. Even though it hurt a lot, I went home on it and saw that it was twisted and badly sprained. But there was no way I could go to the hospital without Blue Cross Blue Shield health insurance.
I had already learned that lesson the hard way. The last time I injured myself and went to the emergency room, I incurred an incredible debt. The cost of an emergency room visit is incredibly expensive, and so I have to make payments on this debt that I still owe.
At the time, I felt I could not avoid going to the hospital. I had a bad case of strep throat and If I was not treated with antibiotics, I would not be able to go to work. As a bartender, not going to work meant not getting paid. Even though I knew the visit would be very expensive, I had no choice but to go to the hospital and then try to work out a payment plan for the visit.
I was in a cubicle for a total of ten minutes, and the visit cost me $200. That worked out to $10 per minute. Since I do not make $60 an hour, I knew I could not afford to do that again. That experience really made me realize that I literally could not afford to be without Blue Cross Blue Shield Health Insurance.
To add insult to injury, besides charging me for the room, the hospital charged me for every little thing involved in the visit, including the antibiotics, of course, but also for such items as the gloves the doctor wore when he examined me. Spending five dollars for one pair of latex gloves made me determine to start looking for a Blue Cross Blue Shield Insurance Plan that I could afford. I have never regretted that decision.
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