Thursday, December 12, 2013
When the Affordable Care Act goes into effect in 2014, everyone will have to purchase health insurance or pay a fine. With the combination of a large amount of people buying insurance and a new, complex marketplace, the opportunity for scammers to take advantage of people, especially the elderly, will be great.
First, for states with their own insurance marketplace, be on the lookout for fake websites purporting to be the official state website. Scammers may be trying to steal credit card information.
Next, because the ACA does not require new insurance or Medicare cards, be on the lookout for scammers attempting to steal personal information by offering cards.
Finally, the U.S. Department of Health and Human Services is funding “navigators” who will help facilitate enrollment. These navigators are prohibited from being health insurers and should not have access to personal information.
See Michelle Apodaca, Danielle Church & Ward B.B. Davison, Senior Scams: How Universal Healthcare May Bring an Increase in Cons Targeting the Elderly, Texas Bar Journal, November 2013.