Health Care Insurance Provider Fraudulent Practices
While the healthcare industry exists to help people, there are unscrupulous individuals who take advantage of the patient’s weakness in order to profit. That’s why there are so many cases of fraudulent and unethical practices in healthcare insurance. As warned by Top5BackgroundChecks on https://www.top5backgroundchecks.com/truth-finder-review-background-report/, it pays to be extremely careful so that you won’t fall prey to these schemes.
To help you out, here’s a list of the 10 most common health care insurance schemes so you’ll know what to watch out for.
Billing with No Documentation
One of the most common schemes that come from healthcare insurance providers would be to bill their customers without providing any products or services. Since there are no products given, there is no documentation (there might be fake documentation at the very least though). In this sort of situation, the best recourse of action is to do a thorough background check on the provider before signing any documents. Use third-party background check services if you have to.
Misrepresentation of Company
Another scheme would be when a healthcare insurance representatives fake representing a company. The representative might claim that he or she comes from ABC Healthcare Insurance and provides so and so products. He or she will then force you to pay a down of X amount and sign a document for several insurance products. All of it may seem legit until one fine day you realize that your details were never recorded in ABC Healthcare Insurance to begin with. That’s because the representative was a fake and never was affiliated with the company. In order to check, it’s best that you ask for a representative’s ID details and ask the company itself if such personnel exist.
Incorrect Diagnosis or Claiming of Amounts
When it comes to healthcare insurance, those who have certain conditions or vices are usually charged higher. If you don’t look at the documents carefully, you might find that you are recorded as having a certain condition or vice even if you do not. When this happens, you have to pay the healthcare insurance provider higher. So before you sign, always look at the fine print and the documents so that you know what you’re getting yourself into.
Unnecessary Issuance of Products
This practice is very common in the healthcare insurance provider world. Basically, a really good salesman will try to get you to include a certain product in the package even though it’s not needed. This can be done through smooth and slick sales talk. If you’re not careful, you might be conned into the scheme. The best thing to do in this situation is to keep on asking questions about the service so you will really know if you need it or not.
As you can see, you are not safe from fraud even in an industry that claims to want to help people. If you want to get the right healthcare insurance, it’s recommended that you get one from a very reputable company – even if you have to pay a little more.