Tips when shopping for individual insurance:

  • Shop carefully. Policies differ widely in coverage and cost.
  • Make sure the policy protects you from large medical costs.
  • Read and understand the policy.
  • Make sure it provides the kind of coverage that’s right for you.
  • Make sure if you have a family, that your family members are covered as well.
  • Make sure there is a “free look” clause.
  • Beware of single disease insurance policies.
  • Your children may be eligible for free or low-cost health insurance! Check with your state government for more details.

Examples of Health Care Provider Fraud:

  • Billing for services not actually performed.
  • Falsifying a patient’s diagnosis to justify tests, surgeries or other procedures that aren’t necessary.
  • Billing for a more costly service than the one actually performed.
  • Billing each stage of a procedure as if it were a separate procedure.
  • Accepting kickbacks for patient referrals.
  • Waiving patient co-pays or deductibles and over-billing the insurance carrier or benefit plan.
  • Misrepresenting procedures performed to obtain payment for non-covered services.
  • Billing a patient more than the co-pay amount for services that were paid by the insurance company.

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