HOT*** Obama Care (affordable Health Care Act) RIPE for Identity Theft

Medical Identity Theft

HOT NEWS!!!!!   Identity Theft and affordable Health Care Act (aka Obama Care) 
Click Here for a CNBC Video of the Identity theft possibilities with the new healthcare system (aka Affordable Health Care Act, aka Obama Care)

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Overview: A brief description of medical identity theft
Medical identity theft results from the fraudulent use of an individual�s personal information, Social Security number, or health insurance information to obtain medical goods and services, money through insurance fraud, or insurance coverage for treatments. This may result in a number of problems for the victim, which might include a collection account for a past due bill, medical insurance filing errors, or distorted medical records that could affect future medical treatment. Medical identity theft is one of the more complicated and problematic types of identity theft that can occur. It is difficult to discover and the fraud may exist until uncovered through a myriad of methods.

Ways an individual might discover medical identity theft
- Receipt of an Explanation of Benefits statement from your health insurer.
- Receipt of a bill for services or equipment that were never provided.
- Collection account listed on a credit report that is the result of an unpaid medical bill not related to any valid for services not provided.
- Denial of health insurance or notice of increase in premiums based on a medical condition that you do not have.
- Inaccuracy found in medical record held by physician or hospital.

Some Early detection of medical identity theft
- Review your health insurance provider�s Explanation of Benefits statement
- Obtain your �benefits request� each year from your insurance provider. If you do not recognize any payments, follow up with the insurer or provider to learn more.

Common types of health insurance fraud
- Medical Equipment Fraud:
- �Rolling Lab� Schemes: Unnecessary and or fake tests.
- Services Not Performed: Customers or providers bill insurers for services never rendered by changing bills or submitting fake ones.
- Medicare Fraud: Medicare fraud can take the form of any of the health insurance frauds listed previously.

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Tips for avoiding health insurance fraud
- Never sign blank insurance claim forms.
- Never give a blank authorization to a medical provider to bill for services rendered.
- Ask your medical providers what they will charge and what you will be expected to pay out-of-pocket.
- Do not do business with door-to-door or telephone salespeople who tell you that services or medical equipment are free._ Give your insurance or Medicare identification only to those who have provided you with medical services.
- Keep accurate records of all healthcare appointments.
- Know if your doctor ordered equipment for you.
Source: Federal Bureau of Investigation

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