These days, it’s easier than ever for the wrong person to get hold of your personal information. Most people think of the financial and credit ramifications of identity theft. However, there is another, very dangerous form of ID theft surfacing: medical identity theft. Only a few providers, like Nationwide, have the expertise to untangle the consequences.
What is medical identity theft?
Medical identity theft occurs when someone steals your identity and either obtains medical insurance in your name or uses your current medical insurance policy to get treatment or prescriptions. Medical ID theft often results in wrong entries being put into existing medical records and can involve new, fake medical records being created in the victim’s name. You can be denied or lose your healthcare coverage as a result.
How can I protect myself?
- Carry only the identification you need when you go out.
- Remove your Social Security Number from your health insurance card. Your health insurance company will give you a new participant number if you ask for it.
- Shred your charge receipts, insurance forms, and physician statements in a cross-cut shredder.
- Request to see your medical records periodically and verify that they are correct.
- See more prevention recommendations.
What will Nationwide do if I suspect I’m a victim of medical ID theft?
Our trained professionals will see you through this stressful time. Some of the remedies our experts will take action on include the following:
- Review credit reports with you in order to identify any fraudulent accounts or notices on the credit records, and obtain contact information of those creditors.
- Dispute fraudulent accounts and bills with the facility, medical provider, or insurance company.
- Review full medical records with you in order to catch any fraudulent services, medicine, and equipment.
- Review your medical records by in-house medical team, which consists of professional doctors and nurses. They will provide recommendations if there is a clear distinction between fraudulent and real records or if any re-evaluation is needed to clear medical records.
- Contact the facility, provider, and health insurance and request erroneous information is deleted, amended, or corrected.
How do I secure medical identity theft coverage?
This coverage is already included in your identity theft policy.
Do you want to know more?
See survey results from Harris Interactive that show medical identity theft as the fastest-growing type of identity theft. Learn why so few people know what it is or how devastating it can be to your credit and your health.