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 forecast that more than three-fourths of the Michiganites, who do not have medical coverage, today will have Michigan health insurance in the future.
In the meantime, insurance fraud remains an ongoing concern. Use the following tips to avoid falling prey to a scam:
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.
Given open enrollment’s abbreviated time span, there are not any deadlines for purchasing non-group sponsored family or individual Michigan health insurance coverage. Accordingly, time sensitive \ ‘special offers’ are non-existent with most reputable health plans.
Since identity thieves are quite crafty at absconding personal information, always validate that the agency’s or agent that the agent or agency’s license is up-to-date. Finally, avoid doing business with any Michigan health insurance company, where the marketing materials are missing fundamental (in example: an exact street address, an email address and a contact phone number).
While the purpose of the PPACA is to enable Americans to obtain health care, there are not any laws mandating that policy premiums be withdrawn from policyholder’s credit cards or bank accounts.
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