July 10, 2019
You’ve probably received a call claiming you’re the winner of an all-expenses-paid vacation, right? The caller then goes on to say that they need some personal information about you.
You may think you won’t be fooled by this type of too-good-to-be-true offer, but scammers have practice in the art of “phishing,” a technique used to trick you into sharing personal information.
In the case of medical identity theft, a scammer may use your protected health information — like your Social Security Number and health insurance member number — without your consent to submit claims to receive payments from your health plan.
Be cautious about phone calls from anyone offering to provide medical equipment or supplies that have not been prescribed by your doctor, especially if the caller says they are “free.”
One recent scam targeting members of Blue Cross Blue Shield health insurance plans involves unsolicited calls from a durable medical equipment (DME) provider with an offer to provide “free” pain management equipment.
The caller convinces the member to provide protected health information, which the company then uses to bill his or her Blue Cross Blue Shield health plan for thousands of dollars.
Under Independence Blue Cross (Independence) medical policy, DME is not covered unless a member receives a prescription from a provider during a face-to-face visit. If equipment is sent to you that isn’t covered under your health plan, you could be stuck paying out of pocket for something you didn’t ask for and may not need.
Even if equipment is covered, if the DME provider is not in your Independence health plan network, you could be balance billed for the difference between the amount paid by your health plan and the provider’s charges, which can be significant.
If you receive a call about “free” or “no cost” medical equipment, don’t agree to anything until you do two things: First, check with your doctor to see if the equipment is appropriate; second, review your Independence benefit materials to understand what’s covered. If you have additional questions, call customer service at the number on the back of your Independence member ID card.
Even if you’ve never been a victim, health care fraud should concern you because it drives up the cost of health insurance for everyone.
Here are a few ways you can stop scammers in their tracks:
Remember, if something sounds too good to be true, it probably is! You are always in control: If something about a phone call makes you uncomfortable, it’s OK to hang up.
This article was originally published on IBX Insights.
I retired from the Philadelphia Police Department with the rank of detective after serving for 25 years. Before joining Independence Blue Cross (Independence) in 2008, I worked with the Recording Industry Association of America investigating music piracy, manufacturing, and distribution of counterfeit CDs. As a senior financial investigator in the Corporate Financial Investigation Department at Independence, I play a role in our company’s cost containment strategy by investigating fraud, waste, and abuse in our health care system.