As several laws defined in the Patient Protection and Affordable Care Act (PPACA) become active for consumers purchasing Michigan health insurance, Michiganites should be cognizant of health care fraud. Insurance fraud is one of the foremost causes of skyrocketing Michigan health insurance premiums.
National reports estimate that more than three-fourths of the Michiganites, who do not have medical coverage, today will carry Michigan health insurance in the future.
Meanwhile, insurance fraud continues to be a never-ending concern. Use the following tips to avoid becoming the next victim scammed by health care fraud:
Since 1980, Blue Cross Blue Shield of Michigan has uncovered more than $238 million of insurance fraud. From identity theft, submission to non-existing medical claims, misrepresentation of marital status health care fraud is prevalent crime.
Based on reports released by Blue Cross Blue Shield, con artists pose as insurance representatives to steal social security and other personal information. To prevent victimization, never provide any person a social security number or other personal account information. Also, it’s good practice to monitor your claims history.
Even though open enrollment has a small window, there are not any deadlines for purchasing family or individual Michigan health insurance coverage. Consequently, time sensitive ‘special offers’ are non-existent with most legitimate health plans.
As identity thieves employ crafty schemes to abscond personal information, always confirm that the agencies or agent’s license is current. Finally, never conduct business with any Michigan health insurance company that the marketing materials are void of basic business contact information (in example: an exact street address, an email address and a contact phone number).
Although the purpose of the PPACA is to enable Americans to obtain health care, laws do not mandate that policy premiums be withdrawn from a Michigan health insurance policyholder’s credit card or bank account.
MichiganHealthandLife.com offers complimentary health insurance quotes, advice and a wealth of information about Michigan medical insurance. Bookmark the site for the latest news, resources and no obligation quotes, online.
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