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Insurance ID Card

Scammers don't want your money - they're after your health insurance card!

Jan. 3, 2017

Why would a scammers want your ID card? It doesn't have a picture, it likely doesn't even have your address. So what use could your health insurance card possibly have to a stranger? For starters, to go to the doctor and have you pick up the tab.

A scammer may use your name or health insurance numbers to see a doctor, get prescription drugs, file claims with your insurance provider, or get other care. That may only the beginning though. Where it gets tricky is that if the scammer’s health information becomes mixed with yours, your treatment, insurance and payment records, and credit report may all be affected.

A recent study found the reported cases of medical identity theft jumped more than 21 percent in a single year! On average, it costs each victim $13,500 to fix the damage. What is even more worrying is that Experts are warning that those numbers may not be telling the whole story. This type of fraud is relatively new and so far hard to recognize and categorize.

The signs of medical identity theft include:

  • a bill for medical services you didn’t receive

  • a call from a debt collector about a medical debt you don’t owe

  • medical collection notices on your credit report that you don’t recognize

  • a notice from your health plan saying you reached your benefit limit

  • a denial of insurance because your medical records show a condition you don’t have.

read more at How to protect yourself from medical identity theft