Protect Your Financial Health – Avoid Medical Identity Theft
You open a bill from your medical provider and discover a $300-plus charge for treatment for an eye infection. But you’ve never had an eye infection! Is it an innocent mistake by the doctor’s office – or is it medical identity theft?
What is medical identity theft?
Medical identity theft occurs when a dishonest person gets ahold of your health plan ID number or other medical information and uses it to get treatment. There were more than 1.4 million victims of medical identity theft in 2010 and 2011, and according to The Ponemon Institute’s study, “The National Study on Medical Identity Theft.” Medical ID theft has more than doubled since 2008 – and is on the rise.
You may not even know it happened until you start getting bills from doctors or collection agencies for services you didn’t receive. Or you might make an insurance claim and be told you’ve reached your benefit limit, or apply for insurance and be denied because your records show a condition you don’t have.
Medical identity theft can also damage your health. That’s because when the thief uses your identity to get care, their information goes into your medical records. If, say, the wrong blood type goes on your record, this could lead to improper treatment, resulting in injury or illness.
How to reduce your risk
There is no surefire way to avoid such theft, but there are a number of ways to make it less likely, according to the federal government:
Beware of strangers seeking information
That official-sounding person on the phone (or that official-looking letter) isn’t necessarily legitimate. If you didn’t initiate the contact, and you don’t know the person asking the question, don’t give out personal or medical information. If a letter arrives from a medical provider offering free health care services or products, and requires your health plan ID number, check them out. Call your health plan and see if they’re affiliated with the provider. Same goes for callers who say they represent an insurance company and need to verify a charge.
Keep medical and health insurance information under lock and key.
Medical or health insurance records should be kept secure, whether in your file cabinet or in a file online. Beware emails or websites asking for information like your Social Security number or your medical condition. Read website privacy policies to find out how information is secured, who can see it and how it will be used.
Tips: If a site’s Web address begins “https,” the “s” is for “secure.” Another good sign: A lock icon on the browser’s status bar. And remember, email is not secure.
Slash your trash. Shred your health insurance forms, prescription and physician statements before you toss them. Tear up the labels on your prescription bottles, too.
Got more questions? Visit the Consumer Financial Protection Bureau's website for the latest information: www.consumerfinance.gov.
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