What is Health Insurance Scams And How to Avoid it |Healthcare Tech Outlook

According to Healthcare Tech Outlook scam  The Health insurance scam increases rapidly Scammers are always in chance to get an opportunity to fool people by giving them fake healthcare insurance schemes. Through this article you will get more about  what is health insurance scams and how to avoid it

In this style of fraud‚ false or misleading information is provided to an insurance company to possess them to pay unauthorized benefits to the policy holder‚ another party‚ or the entity providing services. The offense is often committed by the insured individual or health services provider.

An individual subscriber can commit insurance fraud by:

allowing some other person to use his or her identity and insurance information to get health care services
using benefits to get prescriptions that weren't prescribed by his or
her doctor
Health care providers can commit fraudulent acts by:

billing for services‚ procedures and supplies that were never rendered
charging for dearer services than those provided
performing unnecessary services for the aim of monetary gain
misrepresenting non–covered treatments as a medical necessity
falsifying a patient's diagnosis to justify tests‚ surgeries‚ or other procedures
billing each step of one process as if it were a separate procedure
charging a patient quite the co-pay agreed to under the insurer's terms
paying "kickbacks" for referral of car accident victims for treatment
Consequences
Most insurance includes specific benefits‚ and insurance fraud practices like overbilling for the kind of services received rob consumers of those benefits.

This is why insurance fraud is such a severe crime like all other sorts of insurance fraud‚ Pennsylvania considers it a felony. Violators can spend up to seven years in prison and spend up to $15‚000 in fines. There are many other associated expenses, like court costs and legal fees. Plus‚ those found guilty of insurance fraud have the stigmas and limitations of being a convicted felon to hold with them for keeps.
Health insurance fraud and scams are growing in number. After we buy insurance, we are trying to find good deals as intelligent consumers, but we can also comprise believing things that can't possibly be true. Also, with the arrival of The Affordable Care Act and also the pressure to satisfy the individual mandate, we may feel we'd like to form choices we aren't prepared to start to make sure we aren't fined for non-compliance.

Health Insurance Scams and Frauds Are Growing
Fraud in healthcare is found in almost every aspect of healthcare, from quacks to scams. Notably, since the passage of the Affordable Care Act in 2010, insurance scams are appearing with more frequency. The mainstream press has reported on several seemingly legitimate payers who have, instead, collected people's money and so didn't cover what those people expected.

It is anticipated that over the subsequent several years that even more will appear, calling themselves things like health benefits insurance, medical payment plans, medical discount cards, medical claims plans, and others. We want to guard ourselves and our families by ensuring that any insurance company we engage with may be a good, well-funded, capable company that will and can fulfill its promises and supply us with all the advantages claim they're going to provide.

8 Signs of insurance Fakes, Scams, and Frauds
As you research your options for purchasing insurance, be mindful of those signs that you should go forth from:

Avoid any company with aggressive salespeople. Don't purchase insurance from any company that phones, faxes, or emails "good deals."
Avoid any promises of higher pricing if you sign on straight away. Existing insurers don't insist you rush through your decision-making (Although there will be deadlines for signing up by specific dates, like at the tip of the year.)
If a salesman tells you that buying insurance is "required by law," then hang up or delete the email.
If the salesperson tells you they're licensed by ERISA, that's a sure sign that they're bogus. All insurance companies are licensed in their business states, but ERISA could be a federal organization.
If what the corporate offers you is named a "medical discount card," then there is a good chance it won't cover what you wish. take care to test together with your doctors, pharmacy, and testing centers to determine if they accept that card, and if they are doing it, what proportion the discount is. (The same is valid for pharmacy discount cards.)
If the value is substantially but the other pricing you've got found, then go away. If it sounds too good to be true, then it is.

Avoid any company with a process for acceptance that seems less demanding than another. People are known to fall for scams simply because they were told they didn't have to have a physical exam or because they weren't required to produce a listing of their current medications.
Listen to your intuition. If you have got any suspicion that somebody or something isn't what it says it's, then go forth