Fraud experts are seeing cases across the country where scammers are calling victims and claiming they can help them enroll for insurance under the new law, but their only goal is to get personal information.
June Taylor is very concerned about it, she has an adult daughter with autism.
“They’re not eligible for Medicaid, because they are able bodied according to the definition, so they are not disabled,” said Taylor.
Her daughter needs coverage, so they are looking into options under the Affordable Care Act.
The thought of an open market place has this mother on edge, knowing there are people out there with criminal intentions.
“You really worry about, they are a vulnerable population in terms of being taken advantage of by people, because they tend to be very trusting. They don’t really have a lot of options, because they can’t tell who they should trust and who they shouldn’t,” said Taylor.
Armand Glick, Director of the Utah Insurance Department Fraud Division says it’s a valid concern for Taylor’s daughter and other vulnerable groups, like seniors.
“People that are going to call you by phone and/or come to your door and use high pressure tactics, they’ll ask for personal information up front, personal health care information,” said Glick.
You should never give your social security number, birth date or other information to anyone who approaches like this.
In addition to the high pressure tactics there are other sure signs of fraud, like threats.
“Threaten you that if you don’t have insurance you’re going to go to jail and that’s not true,” said Glick.
Also, beware of anyone using the term Obamacare.
“If you are going to a website and it says Obamacare or someone is calling you saying you need to get your Obamacare card for insurance, that would be a key trigger to say hey, that’s not legitimate,” said Glick.
The best thing you can do to fight back is to be proactive.
“Do the research, go on the website and find those programs that are in your area,” said Glick.
Taylor’s concern is for her daughter who tends to trust those on the other end of the line.
“It keeps you up at night worrying what will happen, because there is no safety net for these people,” said Taylor.
Anyone who truly works for the government would never call you soliciting health insurance coverage, but an insurance broker who is legitimate could call you.
In that case you should take down their name and number and check with the Department of Insurance to make sure they are certified to sell in the federal market place.