Criminals are using the implementation of the Affordable Care Act (ACA), “Obamacare,” as the latest opportunity to steal people’s identities. As the October 1st health care enrollment begins. The BBB and security experts warn that the problem will only get worse. According to Fraud.org ObamaCare scams come in a variety of forms. Consumers across the country allege that people are contacting them by phone, fax, via email and in person. Some claim to be government employees, tricking consumers into revealing their bank account numbers in order to sign up for fake health care plans. Others are asking for Social Security numbers in order for consumers to continue their eligibility for Medicare. Certain fraudsters are intimidating consumers into disclosing information by claiming “it’s the law” or that “the government now requires it.” Some consumers are threatened with jail time if they do not purchase fake insurance cards. The only financial penalties associated with families and individuals who do not obtain insurance don’t take effect until 2014, and contains no jail penalty. For participating states, Indiana not one of them, The ACA created the Health Insurance Exchange, or Health Insurance Marketplace to help people find health coverage that fits their budget and meets their needs What is the Health Insurance Marketplace?
BBB offers the following tips to help spot health insurance fraud:
- Hang up the phone. If you get one of these calls, just hang up. You may be tempted to call back, but this will only give the scammer another opportunity to steal your information. Also, be sure not to press any buttons that the scammer instructs and report the incident to BBB’s Scam Stopper or the Federal Trade Commission Complaint Assistant
- Never give out your bank account numbers, date of birth, credit card number or Social Security number.
- Don’t rely on caller ID. Some can make any name or phone number appear on the caller ID screen. Don’t trust that the information you see is true. To find out how the health care reform affects you. Visit the Center for Medicare and Medicaid Service’s
- In the event that someone gives their personal information to an Obamacare fraudster, inform your banks, credit card providers and the three major credit bureaus to be on the lookout.
You can contact the three credit bureaus through these links:
For more information you can trust, visit evansville.bbb.org.