The Federal Bureau of Investigation (FBI) has issued an urgent warning about a new scam involving discount medical insurance that is spreading across the United States. The scam targets individuals seeking affordable healthcare options, tricking them into signing up for fake insurance plans through unsolicited calls, texts, and emails. These fraudulent offers promise reduced rates but do not provide any actual coverage, resulting in significant financial losses for victims.
According to the FBI, scammers often pose as legitimate medical insurance providers, pressuring people to act quickly due to limited-time offers or promising free services with hidden fees. Victims are sometimes asked to provide personal information, such as their Medicare number, Social Security number, or financial account details, which can lead to further identity theft.
One case involved a couple from Pennsylvania who believed they had signed up with a national provider, only to discover they were responsible for all medical bills after an emergency room visit. In Maryland, a man paid for a year's coverage upfront, thinking it would save him money, but was left with a $7,000 bill after his insurance was not accepted for emergency surgery. In Washington state, over 100 complaints led to a cease-and-desist order against a company accused of fraudulent practices.
To protect against these scams, the FBI advises verifying the legitimacy of any insurance offer with the state insurance commissioner or the Better Business Bureau. Additionally, individuals should confirm with their current medical providers that they accept the insurance plan being offered. The FBI also warns against high-pressure sales tactics and requests for upfront payments.
If you suspect you have been targeted by such a scam, the FBI encourages reporting the incident to their Internet Crime Complaint Center at IC3.gov.