{"id":2145,"date":"2022-12-12T17:01:15","date_gmt":"2022-12-12T23:01:15","guid":{"rendered":"https:\/\/ameriplanstage.wpengine.com\/?p=2145"},"modified":"2024-02-01T11:43:46","modified_gmt":"2024-02-01T17:43:46","slug":"health-insurance-scams","status":"publish","type":"post","link":"https:\/\/www.ameriplanusa.com\/health-insurance-scams\/","title":{"rendered":"Tips on How to Spot Health Insurance Scams Online (2024 Guide)"},"content":{"rendered":"<div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-1 fusion-flex-container has-pattern-background has-mask-background nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\" style=\"background-color: rgba(255,255,255,0);background-position: center center;background-repeat: no-repeat;border-width: 0 0 0 0;border-color:#eae9e9;border-style:solid;\" ><div class=\"fusion-builder-row fusion-row fusion-flex-align-items-flex-start\" style=\"max-width:1216.8px;margin-left: calc(-4% \/ 2 );margin-right: calc(-4% \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-0 fusion_builder_column_1_1 1_1 fusion-flex-column\"><div class=\"fusion-column-wrapper fusion-flex-justify-content-flex-start fusion-content-layout-column\" style=\"background-position:left top;background-repeat:no-repeat;-webkit-background-size:cover;-moz-background-size:cover;-o-background-size:cover;background-size:cover;padding: 0px 0px 0px 0px;\"><div class=\"fusion-text fusion-text-1\"><p><span style=\"font-weight: 400;\">In desperate times, people turn to desperate measures. This is one reason why health insurance scams are such a problem. Someone who needs help paying for expensive medical treatments may want to believe in an easy solution \u2013 even if it\u2019s too good to be true.\u00a0<\/span><span style=\"font-weight: 400;\">But how do you separate scammers from legitimate companies that want to help you lower your medical expenses? Here are some tips on navigating the confusing health insurance marketplace to avoid being taken by an unethical enterprise.<\/span><\/p>\n<p><!--more--><\/p>\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_80 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/www.ameriplanusa.com\/health-insurance-scams\/#Common_Health_Insurance_Scams_and_How_to_Avoid_Being_a_Victim\" >Common Health Insurance Scams and How to Avoid Being a Victim<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/www.ameriplanusa.com\/health-insurance-scams\/#Someone_who_says_they_are_from_a_government_agency_says_you_need_to_send_money_or_submit_your_personal_information\" >Someone who says they are from a government agency says you need to send money or submit your personal information.<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/www.ameriplanusa.com\/health-insurance-scams\/#Someone_asks_for_account_numbers_for_a_health_insurance_plan_price_quote\" >Someone asks for account numbers for a health insurance plan price quote.\u00a0<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/www.ameriplanusa.com\/health-insurance-scams\/#Someone_tries_to_sell_you_a_fake_medical_discount_plan\" >Someone tries to sell you a fake medical discount plan.\u00a0<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/www.ameriplanusa.com\/health-insurance-scams\/#A_medical_discount_plan_is_not_the_same_as_an_insurance_plan_you_buy_from_a_health_insurance_company\" >A medical discount plan is not the same as an insurance plan you buy from a health insurance company.\u00a0<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/www.ameriplanusa.com\/health-insurance-scams\/#Contact_AmeriPlan_To_Learn_How_to_Reduce_Your_Medical_Expenses\" >Contact AmeriPlan To Learn How to Reduce Your Medical Expenses<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"Common_Health_Insurance_Scams_and_How_to_Avoid_Being_a_Victim\"><\/span><b>Common Health Insurance Scams and How to Avoid Being a Victim<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Most of the time, a scammer\u2019s goal is to steal your personal information to use it for nefarious means. Other times, a company will falsely represent itself as a reputable insurance company and collect monthly fees.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">The best way to avoid a scam is to only give your personal or financial information to a company or government organization you reach out to directly. It&#8217;s also important that you understand the <a href=\"\/discount-plans-vs-insurance\/\">difference between medical discount plans and health insurance<\/a>.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Here are a few warning signs that a health services company may not be legit.<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"Someone_who_says_they_are_from_a_government_agency_says_you_need_to_send_money_or_submit_your_personal_information\"><\/span><b>Someone who says they are from a government agency says you need to send money or submit your personal information.<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Some people think they are too smart to fall victim to identity theft. But then, those same people will give their Social Security numbers and bank account or credit card numbers to someone who reached out to them claiming to be a government official.\u00a0<\/span><\/p>\n<p><img decoding=\"async\" class=\"alignnone size-fusion-600 wp-image-2151\" src=\"https:\/\/www.ameriplanusa.com\/wp-content\/uploads\/2022\/11\/where-to-report-health-insurance-scams-600x400.jpeg\" alt=\"examples of health insurance frauds\" width=\"600\" height=\"400\" srcset=\"https:\/\/www.ameriplanusa.com\/wp-content\/uploads\/2022\/11\/where-to-report-health-insurance-scams-200x133.jpeg 200w, https:\/\/www.ameriplanusa.com\/wp-content\/uploads\/2022\/11\/where-to-report-health-insurance-scams-300x200.jpeg 300w, https:\/\/www.ameriplanusa.com\/wp-content\/uploads\/2022\/11\/where-to-report-health-insurance-scams-400x267.jpeg 400w, https:\/\/www.ameriplanusa.com\/wp-content\/uploads\/2022\/11\/where-to-report-health-insurance-scams-600x400.jpeg 600w, https:\/\/www.ameriplanusa.com\/wp-content\/uploads\/2022\/11\/where-to-report-health-insurance-scams-768x512.jpeg 768w, https:\/\/www.ameriplanusa.com\/wp-content\/uploads\/2022\/11\/where-to-report-health-insurance-scams-800x533.jpeg 800w, https:\/\/www.ameriplanusa.com\/wp-content\/uploads\/2022\/11\/where-to-report-health-insurance-scams-1024x683.jpeg 1024w, https:\/\/www.ameriplanusa.com\/wp-content\/uploads\/2022\/11\/where-to-report-health-insurance-scams-1200x800.jpeg 1200w, https:\/\/www.ameriplanusa.com\/wp-content\/uploads\/2022\/11\/where-to-report-health-insurance-scams.jpeg 1254w\" sizes=\"(max-width: 600px) 100vw, 600px\" \/><\/p>\n<p><span style=\"font-weight: 400;\">Government officials don\u2019t need your credit card number. You don\u2019t have to pay fees for a new Medicare card. Also, no one from Medicare will contact you to say that your coverage will be canceled unless you provide personal information over the phone. For questions or concerns about Medicare or the Health Insurance Marketplace, contact the agencies directly:\u00a0<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><strong>Medicare:<\/strong><a href=\"http:\/\/medicare.gov\/\"> <span style=\"font-weight: 400;\">Medicare.gov<\/span><\/a><span style=\"font-weight: 400;\"> or 1-800-MEDICARE (1-800-633-4227)<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><strong>Health Insurance Marketplace: <\/strong><a href=\"http:\/\/healthcare.gov\/\"><span style=\"font-weight: 400;\">HealthCare.gov<\/span><\/a><span style=\"font-weight: 400;\"> or 1-800-318-2596<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">If someone reaches out to you claiming to be from a government agency, report medicare fraud by calling 1-800-MEDICARE or visiting <\/span><a href=\"http:\/\/reportfraud.ftc.gov\/\"><span style=\"font-weight: 400;\">ReportFraud.ftc.gov<\/span><\/a><span style=\"font-weight: 400;\">.\u00a0<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"Someone_asks_for_account_numbers_for_a_health_insurance_plan_price_quote\"><\/span><b>Someone asks for account numbers for a health insurance plan price quote.\u00a0<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">The Affordable Care Act\u2019s website allows you to compare health insurance plans and check your eligibility for healthcare subsidies. Your monthly income and age are the only information you need to provide to receive a price quote for the programs. <strong>Don\u2019t give your SSN, bank account number, or credit card number to get a health insurance quote.<\/strong>\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">On a side note, navigators who offer help with the Health Insurance Marketplace will not ask you for personal or financial information, and they don&#8217;t charge for their services.<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"Someone_tries_to_sell_you_a_fake_medical_discount_plan\"><\/span><b>Someone tries to sell you a fake medical discount plan.\u00a0<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Please understand that legitimate medical discount plans can help you save money on medical products and services. Here\u2019s how such a plan works: your household could <a href=\"\/health-benefit-plan\/\">receive discounts on health care expenses<\/a> in exchange for an affordable monthly fee. Sometimes consumers purchase a medical discount plan because they wish to save money on products and services their health insurance plan doesn\u2019t cover, such as dental, vision, hearing, or chiropractic services. Other times, people without health insurance plans purchase medical discount plans if they plan to pay out of pocket for healthcare expenses.\u00a0<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"A_medical_discount_plan_is_not_the_same_as_an_insurance_plan_you_buy_from_a_health_insurance_company\"><\/span><b>A medical discount plan is not the same as an insurance plan you buy from a health insurance company.\u00a0<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Unfortunately, some medical discount plan companies use unethical marketing strategies to make it sound like they sell health insurance. This misinformation results can have severe ramifications. For example, people who think they have health coverage may discover that they are without health insurance during an expensive medical emergency.\u00a0<\/span><\/p>\n<p><img decoding=\"async\" class=\"alignnone size-fusion-600 wp-image-2152\" src=\"https:\/\/www.ameriplanusa.com\/wp-content\/uploads\/2022\/11\/avoiding-medical-insurance-fraud-and-scams-600x400.jpeg\" alt=\"healthcare gov scams\" width=\"600\" height=\"400\" srcset=\"https:\/\/www.ameriplanusa.com\/wp-content\/uploads\/2022\/11\/avoiding-medical-insurance-fraud-and-scams-200x133.jpeg 200w, https:\/\/www.ameriplanusa.com\/wp-content\/uploads\/2022\/11\/avoiding-medical-insurance-fraud-and-scams-300x200.jpeg 300w, https:\/\/www.ameriplanusa.com\/wp-content\/uploads\/2022\/11\/avoiding-medical-insurance-fraud-and-scams-400x267.jpeg 400w, https:\/\/www.ameriplanusa.com\/wp-content\/uploads\/2022\/11\/avoiding-medical-insurance-fraud-and-scams-600x400.jpeg 600w, https:\/\/www.ameriplanusa.com\/wp-content\/uploads\/2022\/11\/avoiding-medical-insurance-fraud-and-scams-768x512.jpeg 768w, https:\/\/www.ameriplanusa.com\/wp-content\/uploads\/2022\/11\/avoiding-medical-insurance-fraud-and-scams-800x533.jpeg 800w, https:\/\/www.ameriplanusa.com\/wp-content\/uploads\/2022\/11\/avoiding-medical-insurance-fraud-and-scams-1024x683.jpeg 1024w, https:\/\/www.ameriplanusa.com\/wp-content\/uploads\/2022\/11\/avoiding-medical-insurance-fraud-and-scams-1200x800.jpeg 1200w, https:\/\/www.ameriplanusa.com\/wp-content\/uploads\/2022\/11\/avoiding-medical-insurance-fraud-and-scams.jpeg 1254w\" sizes=\"(max-width: 600px) 100vw, 600px\" \/><\/p>\n<h4><strong>Here are some ways to tell if a medical discount plan is legit:<\/strong><\/h4>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Call the local providers.<\/b><span style=\"font-weight: 400;\"> Before signing up for a medical discount plan, call the providers on the list to ensure they still accept the plan. Ask about discount details before signing up for the program.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Read the plan details. <\/b><span style=\"font-weight: 400;\">Contact your state\u2019s insurance commissioner\u2019s office if the <a href=\"\/\">medical discount plan company<\/a> presents itself as a health insurance company. This type of health insurance fraud can have serious ramifications if patients undergo expensive medical treatment, thinking they have insurance coverage to help pay for the healthcare bills.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Don\u2019t fall for high-pressure sales tactics.<\/b><span style=\"font-weight: 400;\"> Legitimate companies should be willing to send you written information and give you a chance to research their claims before you enroll.\u00a0<\/span><\/li>\n<li><b>Only give your personal information if you call the company directly or are sure you are visiting a legitimate business website. <\/b><span style=\"font-weight: 400;\">Medical scams are popular with identity thieves. Whether it\u2019s a health insurance scam or a medical discount scam \u2013 the results are the same.\u00a0<\/span><strong>Learn more about how to report health insurance fraud by visiting this <a href=\"https:\/\/www.fbi.gov\/how-we-can-help-you\/safety-resources\/scams-and-safety\/common-scams-and-crimes\/health-care-fraud\">website<\/a>.\u00a0<\/strong><\/li>\n<\/ul>\n<h2><span class=\"ez-toc-section\" id=\"Contact_AmeriPlan_To_Learn_How_to_Reduce_Your_Medical_Expenses\"><\/span><b>Contact AmeriPlan To Learn How to Reduce Your Medical Expenses<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">If you want health insurance, go to <\/span><a href=\"http:\/\/healthcare.gov\/\"><span style=\"font-weight: 400;\">HealthCare.gov<\/span><\/a><span style=\"font-weight: 400;\"> or call 1-800-318-2596. However, if you wish to purchase a medical discount plan,<\/span> <a href=\"\/contact\/\"><span style=\"font-weight: 400;\">contact<\/span><\/a><span style=\"font-weight: 400;\"> AmeriPlan directly. We invite you to research our company by <\/span><span style=\"font-weight: 400;\">first checking<\/span><span style=\"font-weight: 400;\"> the local medical providers in your area that accept the program. Then, once you understand how much you can save on prescription drugs, vision care, chiropractic services, or other medical expenses, contact us directly to enroll.<\/span><\/p>\n<\/div><\/div><style type=\"text\/css\">.fusion-body .fusion-builder-column-0{width:100% !important;margin-top : 0px;margin-bottom : 0px;}.fusion-builder-column-0 > .fusion-column-wrapper {padding-top : 0px !important;padding-right : 0px !important;margin-right : 1.92%;padding-bottom : 0px !important;padding-left : 0px !important;margin-left : 1.92%;}@media only screen and (max-width:1024px) {.fusion-body .fusion-builder-column-0{width:100% !important;}.fusion-builder-column-0 > .fusion-column-wrapper {margin-right : 1.92%;margin-left : 1.92%;}}@media only screen and (max-width:640px) {.fusion-body .fusion-builder-column-0{width:100% !important;}.fusion-builder-column-0 > .fusion-column-wrapper {margin-right : 1.92%;margin-left : 1.92%;}}<\/style><\/div><\/div><style type=\"text\/css\">.fusion-body .fusion-flex-container.fusion-builder-row-1{ padding-top : 2vh;margin-top : 0px;padding-right : 0px;padding-bottom : 11vh;margin-bottom : 0px;padding-left : 0px;}<\/style><\/div>\n","protected":false},"excerpt":{"rendered":"<p>In desperate times, people turn to desperate measures. This is one reason why health insurance scams are such a problem. Someone who needs help paying for expensive medical treatments may want to believe in an easy solution \u2013 even if it\u2019s too good to be true.\u00a0But how do you separate scammers from legitimate companies that [&hellip;]<\/p>\n","protected":false},"author":26,"featured_media":2147,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[45,7],"tags":[],"class_list":["post-2145","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-medical-discount","category-news"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.8 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Tips on How to Spot Health Insurance Scams Online (2024 Guide)<\/title>\n<meta name=\"description\" content=\"Learn how to identify online health insurance scams from legitimate opportunities to save on medical expenses, and how to report the fraud.\" \/>\n<meta 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