How can I protect myself from fraud in the Health Insurance Marketplace?
When you apply for health coverage through the Health Insurance Marketplace, you can protect yourself from fraud by following a few simple guidelines.
Be informed about your health care choices
- Spend some time with HealthCare.gov to learn the basics about getting health coverage. It’s the official Marketplace website.
- Compare insurance plans carefully before making your decision. If you have questions, call the Health Insurance Marketplace call center at 1-800-813-2385. TTY users should call 1-800-813-2385.
- Look for official government seals, logos, or web addresses on materials you see in print or online.
- Know the Marketplace Open Enrollment dates – November 1, 2020 through December 15, 2020. No one can enroll you in a health plan in the Marketplace until Open Enrollment begins or after it ends unless you have special circumstances.
Protect your private health care and financial information
- No one should be asking for your personal health information, like your health history, any health conditions you have, or medical treatments you’ve received. Don’t give it to anyone.
- Keep personal and account numbers private. Don’t give your Social Security number or credit card or banking information to companies you didn’t contact or in response to unsolicited advertisements.
- Never give your personal health or financial information to someone who calls or comes to your home uninvited, even if they say they are from the Marketplace.
Ask questions and verify the answers you get
- The Marketplace has trained assisters in every state to help you at no cost. You should never be asked to pay for services or help to apply for Marketplace coverage.
- Ask questions if any information is unclear.
- Write down and keep a record of the name of a salesperson or anyone who may assist you, who he or she works for, telephone number, street address, mailing address, email address, and website.
- Double check any information that is confusing or sounds fishy. Check out HealthCare.gov to verify things or call the Marketplace at 1-800-813-2385. TTY users should call 1-800-813-2385.
- Don’t sign anything you don’t fully understand.
When to report suspected fraud
It’s time to take action if:
- Someone you don’t know contacts you about getting health insurance and asks you to pay – or asks you for your personal financial or health information
- Someone contacts you and claims to be from the government or Medicare – and asks you to pay for a new “Obamacare” insurance card
- You give your bank account information or Social Security number to someone who calls you and says they’re from the government
How to report suspected fraud
You can report suspected fraud one of 2 ways:
If you suspect identity theft, or feel like you gave your personal information to someone you shouldn’t have, use the Federal Trade Commission’s online Complaint Assistant.
You should also contact your local police department.
Visit www.ftc.gov/idtheft to learn more about identity theft.
Call the Health Insurance Marketplace call center at 1-800-813-2385. TTY users should call 1-800-813-2385. Explain what happened and your information will be handled appropriately.