Medical Identity Theft: What Are The Reasons For This Fraud Crime? What Are Your Risks?

Medical identity theft is one of the fraud crimes that has increased over the past years in the United States. According to the Ponemon Institute 1.84 million people were victims of medical identity theft in 2013 with an estimated total cost of $28,6 billion.

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It is illegal to use a person’s identity or personal health information to receive health care services. Some people intentionally commit fraud against “themselves” by allowing uninsured people to use their health insurance to obtain care. This is called “Robin Hood” crimes and it constituted 30% of medical ID theft in 2013.

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There are different reasons for stealing someone else’s medical identity:

  • obtain prescription drugs to sell them
  • get free treatment
  • falsify or inflate treatment claims

 

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Health Insurance Coverage – One Of The Primary Concerns Of Health Care Reform

 

Yesterday Health and Human Services Secretary Kathleen Sebelius announced new funding to help more uninsured Americans enroll in new health insurance coverage options made available by the Affordable Care Act. Approximately $150 million will help community health centers provide in-person enrollment assistance to uninsured individuals across the nation. About 1,200 health centers operate nearly 9,000 service delivery sites nationwide and serve approximately 21 million patients each year.

“Health centers have extensive experience providing eligibility assistance to patients, are providing care in communities across the Nation, and are well-positioned to support enrollment efforts,” Secretary Sebelius said. “Investing in health centers for outreach and enrollment assistance provides one more way the Obama administration is helping consumers understand their options and enroll in affordable coverage.”

According to the Uninsured Health Care Statistics, 16.3 % of the U.S. Population do not have any health insurance.

In the table below are presented data for different sectors of the society without health insurance:

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On March 23, 2010 President Obama signed the Affordable Care Act. The law puts in place comprehensive health insurance reforms that will roll out over four years and beyond.

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Find Out if Your Medical Service is Covered By Medicare!

According to the Official U.S. Government Site for Medicare, the Medicare program guarantees health insurance for people ages 65 or older and people under 65 with certain disabilities as well as people of any age with End – Stage Renal Disease (ESRD) (permanent kidney failure that requires a regular course of dialysis or a kidney transplant).

The whole Medicare social insurance program is divided into different parts where each of the part covers specific services:

Medicare Part A applies to Hospital Insurance and covers inpatient care in hospitals and skilled nursing facility, hospice, and home health care.

Medicare Part B applies to Medical Insurance and covers not only doctors’ and other health care providers’ services, outpatient care, durable medical equipment, and home health care, but also some preventive services to help maintain your health and to keep certain illnesses from getting worse (for example, preventive services include Pap tests, flu shots, and screening mammograms).

Medicare Part C, or Medicare Advantage, offers health plan options run by Medicare-approved private insurance companies, helps to get the benefits and services covered under Part A and Part B, and may include extra benefits for an extra cost. Most Medicare Advantage Plans cover Medicare prescription drug coverage (Part D).

Medicare Part C, or Medicare Prescription Drug Coverage, covers the cost of prescription drugs or may help lower your prescription drug costs and help protect against higher costs in the future.

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