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HEALTH-CARE |
Health care scams may put you at physical risk or drain
your coverage.
Hospital chains, doctors, individual employees and even
patients also
can be involved as victims or perpetrators.
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Offers health
coverage for just pennies a day/very low cost
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Pay your health
premiums in cash or a full year's premium upfront
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Medicare
representatives try to sell you other products, such
as annuities
or life insurance.
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Health
insurance required by health-care reform available
for a limited time
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Sells discount cards
for doctors' visits and hospital stays
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Sign up fast, special deal
available only today
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Companies that promote
themselves as representatives of Medicare
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Insist you're
required to sign up for the drug coverage or else
you'll lose Medicare benefits.
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You have
to join an association or union to buy the
coverage
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Prestigious sounding company names do not
necessarily mean good care
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Cheap Medication
obtained from the Internet
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Faith-Based
Insurance Plans
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Use a mobile diagnostic labs
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Sign a blank insurance claim forms
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Wants you to falsifying diagnoses to get a non-covered
service paid.
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Will waive Co-pays or Deductibles
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Enticing people to come to a clinic for tests.
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Insurance charges for illnesses or injuries you
don't have.
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Unnecessary treatments.
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Inflated medical bills - can increase your
co-payment, beyond your ability to pay.
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Unneeded treatments
(can threaten your health).
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Medical record contains false information about
illnesses.
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Charging for a more expensive procedure than the one
that was performed.
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Billing unlicensed providers as a doctor
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Aggressive
telemarketers, faxes or emails promising unusually
good insurance deals
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Suspicious payment delays that the
plan then keeps putting you off when you call
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Doesn't require state licenses because plan is
regulated by federal law.
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Ask you to pay signup fees via a website
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Precautions
You Should Take |
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Scams may affect your health, increase your insurance
rates or place you at legal risk.
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Your medical ID number can be stolen and used to bill
health programs for phantom treatments. The info is
gotten from dumpsters behind medical clinics, a break into
doctor offices, and hacking into computer
databases. Shred your sensitive information!
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Avoid door-to-door or telephone salespeople who offer
you free medical services or equipment.
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Back off if someone says they can bill your health
program to pay for an uncovered treatment or equipment.
Its illegal, you could lose your health coverage, be
arrested, fined, thrown into jail, or live with a
conviction record that disrupts your life for years to
come.
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Be careful if medical providers say they're connected
with the federal government, Medicare, Medicaid or other
health programs. They only submit bills!
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Check with your state insurance department to make sure
the health insurance company is licensed to do business
in your state.
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See if the health insurer has a history of consumer
complaints, bankruptcy, fraud convictions or other
problems.
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Keep all records and review them to see if you're being
overbilled.
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Be cautious If a medical
professional guarantees they can cure your ailment
and prevent reoccurrence of similar problems.
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Medication without side
effects can not be equivocally stated.
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Quacks may use the terms:
Keep an open mind, Let's work together, Don't be afraid
to experiment, Science doesn't have all the answers,
What have you got to lose, Take charge of your health,
Studies are underway, Time-tested, Used for
centuries, Jump on the bandwagon, We treat medicine's
failures, We treat the whole patient.
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Endorsements Don't Guarantee Reliability.
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The product discoverer
pitches the claim directly to the media rather to
scientific journals.
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Online pharmacies offer
drugs and medicines at very cheap prices or without a
prescription may very well have fake or diluted drugs.
TO FILE A COMPLAINT GO TO THE
COMPLAINTS SECTION BY CLICKING HERE
Financial Aspects That Can Hurt Your Credit Or Health
Coverage |
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Know what your medical benefits are, what's covered and
what isn't.
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Save up to 60 percent on healthcare. The term up to is
meaningless. Just don't expect anything close to 60%.
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Medicare Advantage plans cover everything the original
Medicare plan covers and often cost less but have more
restrictions on access to doctors and hospitals.
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Long Term Care discounts are not long term health
insurance.
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Discount health cards
offer discounts on physician visits, hospital stays,
prescription drugs, dental work, eye care and other
treatment. This is
not insurance, just lower prices on services
that accept these discounts. Many are deceptive or
fraudulent or may offer services you don't need or they
may not exist at all.
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Guaranteed Benefit discount cards can sound like insurance,
they are not!
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Unethical providers may fraudulently double or triple
their bill to health
insurance companies hoping the insurer
won't discover the overruns in the stack of bills. They
will eventually cost you more in higher insurance rates.
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Double Billing for the same service
will affect your coverage.
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Ask your medical providers what price they charge and
what you'll pay out-of-pocket.
Records Will Help You Verify Coverage |
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Keep detailed records of treatments you receive. Include
all dates, locations, who provided the treatments, what
services you received, and what medicine, supplies or
equipment were provided.
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Carefully review the billing and summary statements you
receive after treatment. Are the treatment dates, doctors
name's, facility locations and medical services the
same as you remember? Know what medical equipment and
supplies your provider ordered, as well.
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Question your health provider and ask for clarification
if you see problems or inconsistencies on your bills.
Qualification - Make Sure Who You Are Dealing With |
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Is the doctor certified and have been used by others you
know. You might receive shoddy or substandard treatment
for real and urgent medical problems otherwise.
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You might receive dangerous and even life-threatening
treatment you don't need.
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Make sure that if you are having
an operation on one part of your body, the other
part is marked NO in indelible ink.
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NOTICE: We provide this Encyclopedia
as a public service. Unfortunately we do not have the manpower to answer
all of your emails or questions on specific topics. We, therefore, do not
post our telephone number or address as all our communications are
through email.
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copyright
2011 -
www.stopthescam.org |
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