DPSS4361

Healthcare Scams

● A plan requires you to join an “association” or “union” in order to receive coverage. These may be fake organizations designed to create the illusion that you are buying group health insurance. ● Someone contacting you about health coverage claiming to be from the government. No government representative will ever try to sell you insurance. ▬ DOs ▬ ● Do compare rates. Premiums for “comprehensive” coverage that are far lower than what you see elsewhere are probably too good to be true.

● Do confirm with your state insurance commissioner that a plan provider is licensed.

● Do insist on seeing a statement of benefits or a complete copy of the policy.

● Do learn about the difference between medical discount plans and health insurance, and ask specific questions to make sure you know what you’re getting. ● Do research an association or union named in an insurance pitch. Look for a U.S. street address and phone number, and for evidence of activity other than selling health insurance. ● Do research if an unfamiliar company says it sells plans through a major insurer like BlueCross BlueShield. Research before agreeing to any terms or conditions.

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