Health insurance is a prickly topic. Everyone needs health insurance, whether they’re the picture of health or chronically ill. And, like it or not, health insurance doesn’t come cheap in the US. Many people get insurance provided through their employer. However, some people who are retired or work as independent contractors are on the hook for their own medical insurance premiums.
These people are at greater risk of encountering scams relating to health insurance. This is a complicated problem, as people online are able to lie and steal information by posing as legitimate insurance providers. Here are the ways you can tell these phonies apart and keep yourself safe online.
Before you sign up for an insurance policy or send anyone any money or information, do some research. Is the company you’re about to get insurance through actually legitimate? Scammers are enterprising, and they’ll send convincing faked emails about your health insurance in order to lull you into a false sense of security.
These faked emails can even link to cloned versions of official websites. Through these veneers of legitimacy, scammers can steal your personal information. Under the auspices of signing up for an insurance policy, you could be inadvertently handing your sensitive information to identity thieves.
Do your research on any company you plan to do business with, and check all URLs and return email addresses carefully. If something seems fishy, trust your instincts. A legitimate company will never be angry with you for clarifying their credentials. A scammer, however, will go on the defensive and become irritable if you see through their ruse.
The key to spotting these scams is simply to stay vigilant and look for the little details. Bizarre-looking emails, fishy URLs, and unusual customer service language can tip you off to something being not quite right.
Other times, scammers will offer a service to find people affordable healthcare: “If you pay us, we’ll get you the cheapest rates on health insurance!” Ignore these solicitations. You don’t need to pay someone to find affordable healthcare plans. You can use free online tools to compare insurers and policies. Research, again, is your friend!
Don’t let people online get in your head and scam you out of your money. Health insurance is important and it can be confusing, but there are reputable free resources available to help you navigate the marketplace.