There are many attractive insurance services and offers made by the people in the insurance business these days. Sometimes we do get the benefits they state in their policy, but at other times we become a victim of their fraud. Health insurance is one field in which you need to be very careful before choosing an appropriate insurance company. Most people buy these so-called insurance policies and are not even aware of the fact that they have been deceived until they file a claim for their health charges to be covered under that policy and find out that that company does not even exist.
It is important to do a little investigation before you sign up with a health insurance company. This way you can prevent yourself from becoming a victim of health insurance fraud. One way to spot a fraudulent business is to see how much they are asking as down-payment. If it seems very low as compared to the cost of other insurance services, stop here. The best way to get insured is to ask a friend or colleague which insurance company they are signed up with.
Another way to escape fraud is not to get seduced by the attractive but uncalled-for mails that arrive in your mailbox quite often. Most of the time these mails are generated by people who gain profit when one of the customers responds to these mails and actually signs up with the insurance company. Try to call your friends and ask them if they have heard of any such company. You can also call the hospital or any other local care-center that the insurance company has listed to ask them if they have heard of the health insurance you are about to buy. If they are not sure make other arrangements to check their validity.
If you discover that you have been victimized by one such company, immediately contact the law enforcement agency active in your area. Tell them all the details you have of the health insurance company and how the claim you made was denied. You should also contact your State Insurance Commissioner if things do not seem under control. Of course sometimes there could be a misunderstanding as well, so do not rush to things. Just take one step at a time and be 100% sure that you are a victim of fraud instead of some error or misunderstanding on the part of health professionals.
Another important step to take is to contact your credit card company and ask them to either freeze your account or cancel any outgoing transactions. When you go to the law enforcement agency do not forget to take along all the canceled checks and the health insurance policy that you signed. This would be a useful step may the fraudulent company tries to deceive you in future with other similar offers. Just follow these simple guidelines and prevent yourself from becoming a victim of such frauds.
