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SCAMMERS
TAKE ADVANTAGE OF HEALTH REFORM CONFUSION Since the Affordable Care Act (ACA) was signed into law in March 2010, unscrupulous scammers have been creating ways to take advantage of consumers' uncertainty surrounding the law. Posing as insurance agents or representatives of the federal government, these scam artists try to sell fraudulent policies or obtain sensitive information like Social Security and bank account numbers. The National Association of Insurance Commissioners (NAIC) and state insurance regulators are warning consumers about common red flags and providing tips on how to avoid being the victim of a scam. |
Health
Insurance Marketplaces Open enrollment in the new marketplaces begins October 1. However, bogus websites that purport to be part of the exchanges have been appearing online for more than a year. Do not enter any personal or financial information into a website that says you can purchase a policy before the open enrollment period. Regardless of whether your state has chosen to run its own exchange or work with the federal government, you can find a link to your state's official exchange at healthcare.gov. New
"Obamacare" Insurance or Medicare Cards You are not required to obtain a new insurance or Medicare card under the ACA. Also, anyone who is a legitimate representative of the federal government will already have your personal and financial information and should not ask you to provide it. Don't
Be Misled
Protect
Yourself More
Information
September 2013 |
The National Association of Insurance Commissioners (NAIC) is the U.S. standard-setting and regulatory support organization created and governed by the chief insurance regulators from the 50 states, the District of Columbia and five U.S. territories. Through the NAIC, state insurance regulators establish standards and best practices, conduct peer review, and coordinate their regulatory oversight. NAIC staff supports these efforts and represents the collective views of state regulators domestically and internationally. NAIC members, together with the central resources of the NAIC, form the national system of state-based insurance regulation in the U.S. For consumer information, visit insureUonline.org. |
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©2013 National Association of Insurance Commissioners. All rights reserved. |