If you are getting health or medical insurance through your company, hopefully you won't have to worry about being scammed, but if you are looking on your own, you do need to be aware of scams. Getting health insurance shouldn't be a hard thing to do, but due to the recent economy, and people who don't really care about the well beings of others, they have found new ways to scam the population. There are a few signs you should look for to determine whether or not you are being scammed.
One sign is if the sales person is extremely pushy, you know, like when you are thinking about signing up for a gym and they tell you to sign up that day because they are having a special deal that ends tomorrow. Also, if the sales person seems to harass you with calls, emails and faxes saying you don't want to miss out on their good deal. They may be reluctant to give all the details of the offer, but might still want to get your personal information from you even before you sign up.
A type of scam that has been going around is those in which have to do with the health-care reform. If the sales rep says that they work with the government, or are part of "Obamacare" it is a scam. "Obamacare" is not actually a type of healthcare like medicare or medicade, so do not be fooled when you hear this term. Health insurance in the United States does not technically go through the government, and there are no plans for this to change. So, if a sales rep tells you they are with the government or a government program, you are probably getting scammed.
Of course, like with any deal, if it seems too good to be true, then it probably is. Some of these so called "companies" that are offering "insurance" will have offers with extremely low rates or premiums. If you have done your homework and find that this one offer has a rate that is way lower than those of other trusted companies, it is probably a fake. They may also offer you the insurance plan without checking for a pre-exisiting condition, or they say it doesn't matter what type of pre-existing condition you have that you can still be covered. Don't fall into this gimmick.
If you do decide to go with this insurance policy, you probably will find that your insurance card or policy information never makes it out to you. Companies that are legitimate will send you your insurance card within an appropriate amount of time; they may even give you a temporary card if you ask for one. So, if you have been waiting and waiting for your card or policy, chances are you probably won't get one and won't get a straight answer as to why when you call and ask the company. If you still decide that they are in fact a real company and aren't taking you for a ride, you will probably have some issues when it comes time to pay the medical bills. When they receive your bill, chances are they aren't going to pay for it, and if you ask why not they will tell you there must have been a mistake with accounting, or some other excuse.
Do your research when looking at health insurance. If the offer the company is giving you seems like it is too good to be true, chances are it probably is. Before you sign any papers agreeing or accepting an insurance policy, have a lawyer whom you trust look it over just to be sure. Knowing what the warning signs of a scam are is the first step to protecting yourself.
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