not fly to the victims, a health insurance
not fly to the victims, a Health Insurance Scam - 10 "red flags" you should look for
What today's fast loan interest do not entrepreneurs often time after the Pull carefully to determine which of the companies they rely on the gene products and services. In many cases, a determination of product / service quality for those goods or services are provided to be made. If goods or services do not meet expectations, there is often an immediate remedy is available. For example, poor quality goods sent back to the supplier and / or payment for services will be suspended while to be delivered in a satisfactory manner. Sorry to drag
that entrepreneurs do not always purchase items that are specific terms in the sense that they find immediately can the quality of the goods and / or services at the time of purchase. An example of such a composed purchase health insurance. Since then, health insurance is to be used immediately after purchase in the rule, the quality of care or the legitimacy of that policy does not even come into play, as long as these come to an entrepreneur or a family member who must take practical medical treatment for themselves. This is one of the main reasons that many companies, often appearing legitimate way can the sale of fake health insurance to unsuspecting entrepreneurs.
In most cases, fraudulent health insurance to businesses through loan interest or "agents" by false associations and federations sold. This must be a buyer of these professional and / or professional association or a union member to qualify for health insurance. which was published in fact, in a study by the U.S. General Accountability Office (GAO) in 2004, the GAO found that association schemes at this point of the marketing methods that are ranked, followed by false health insurance. According to the report, "Employers and individuals are variable or Bogus Entities Selling for illicit Coverage, between 2000 and 2002, the U.S. Department of Labor and state insurance regulators for the one presented 144 unauthorized persons sells health insurance law. What facilities defrauded 15,000 employers and more than 200,000 policyholders of $ 252,000,000. "
It should be noted, however, important to many individual and group health insurance products from reputable organizations such as the ARRP and the American Free Association and many prominent trade unions, as the AFLCIO and the Teamsters are approved. Those organizations have long for the imposition of a common class of professionals and citizens of other purposes, very little to do with health insurance was recognized entail. The membership generally includes a variety of other services in addition to affordable health insurance. Typically, the organizations for the organization, a constitution and statutes, a number of officers, voting rights, regular membership meetings and a professional code of conduct.
have unfortunately not the most experienced loan interest that they made hefty monthly payments or premiums gene fraudulent or trade unions as long as it requires to a serious medical condition requiring medical treatment. Usually it is only after they receive treatment, they notice from their health care provider that the claim that the insurance company submitted that has been refused and any medical expenses that are incurred now their responsibility.
often begins in the context of this scheme (of) the operators will be contacted by phone or approached by someone representing a certain, official-sounding, Association or that the European Union. The employer is then informed that if he / she will join members of the association or this union, he / she could qualify for a low-cost group or individual health insurance. Typically, the organization or of the European Union is encouraged to represent self-employed and small businesses. The low-cost health insurance in this rule as one of those many "perks" are presented, these business owners can To qualify in addition to many other "member" benefits such as discounts up other services like dental, eyeglasses, office supplies, hotels, rental cars, include etc.
In many cases, what front companies insurance agents their fraudulent health insurance license to sell products. loan interest is the "agents" know the products are fraudulent, at other times, the "Agent" In addition ... falls victim to the scheme. Often prey to the schemes up consumers have previously been refused insurance cover or are suffering from a preexisting condition. As consumers who purchased very limited in the private health insurance being taken, the benefits of an association or membership of this Union offers health insurance for combined "membership fee" or "union of" is tempting. To the unsuspecting consumer that a pre-existing medical condition has or pay high premiums for coverage of this "membership fee" or "union of" is a thick carpet price for what they believe that a quality health care does plan to pay "guarantee made "coverage without" pre-existing condition exclusions "and no" waiting time. "
In many cases, the print materials that are left with the consumer very well, In contrast, the majority of this time, the language in which "health plan brochure," unite when there is very unclear. The literature can name the entity that is empowered to act as the health plan administrator of the plan, however, neglect the actual insurance company that is providing health insurance, which name. Unfortunately, it is often for the consumer to the official-sounding illegitimate companies selling health plans to separate this justified difficult. Typically, fraudulent health insurance have many similarities.
Here are 10 "Red Flags" that insurers may report fraud:
1. That "agent" is not a licensed insurance agent its turn, an access key "or" membership "coordinator.
second this term" discount plan is "written in the product documentation, however this loan interest Health Plan, health insurance or policy is often through the Plan promoter used. Discount plans often otherwise open qua a rebate for medical services as prescription drugs, eyeglasses, dental, etc. Such plans have not been designed to provide major medical health insurance.
3 official-sounding "Association or the European Union "is one that you never heard before.
4th This plan, known as ERISA plan. The Employee Retirement Income Security Act of 1974 (ERISA) is a federal law that employers can set up pension plans for employees and their dependents. ERISA plans are not subject to state regulation and those not regulated by the state insurance commissioner. ERISA plans are not usually sold as health insurance, but are created by employers, unions or groups on behalf of employers. In this respect, unsuspecting buyers think they offer health insurance plans actually, if, if in fact they do not.
5th What buyer is said that those "membership fee or union dues" that includes health insurance premium, it nevertheless loan interest no mention of the word "Premium" in the plan literature.
6th The plan offers "guaranteed" coverage with no exceptions for "medical history" and not "wait."
7th This plan is significantly cheaper in price as other health insurers.
8th What term "reinsured" is used in reference up to the plan. Reinsurance is something insurance companies buy to protect themselves against their own risks. It is insurance for insurance companies. Licensed Insurers for their agents are seldom draw any gene which their reinsurance contracts during a sales presentation.
9th If this association or that the European Union is composed of members from all walks of life and / or explain to their members that they, to a certain trade, class or group of professionals that they have no relation to relate, for example, consists , is the Association or the European Union, said that "Food and Beverage Workers (to be) available, but" Florists "and" engineer "may enroll as members.
10th If any or association, the European Union, a special Agreement combine with a health insurance plan administrator or other third parties that the plan has created a legal instrument "loophole" that loan interest members of health insurance to buy at a discounted rate or can purchase an individual or group health insurance
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