How To Avoid Health Reform Scams

These days North Dakotans should keep an eye out for health reform scams to protect themselves from fraud.

If you are contacted by someone you don’t know about purchasing health insurance and asked to pay or give them your personal information, you should be wary. Instead, take steps to verify their identity and ensure it is not a scam.

Never give out your Social Security number, credit card number or banking information to anyone unless you know they are working for a legitimate company. Be cautious if you are solicited by e-mail, phone or in person from someone you do not know and have never talked with before who claims to be selling insurance. Here are some more tips to avoid health reform scams.

Americans do not need to receive new “Obamacare” ID cards. Blue Cross Blue Shield of North Dakota mails out ID cards to all new members, including those who purchase BCBSND plans on the North Dakota marketplace at (see image below). BCBSND members only need one health insurance ID card (those who purchase dental and vision coverage through us also receive separate BCBSND dental and vision ID cards).

The Affordable Care Act does not impact Medicare coverage and Medicare recipients do not need new ID cards. Beware of websites that claim to be selling health insurance, especially if you don’t recognize the name of the company. You can contact the North Dakota Insurance Department to verify the legitimacy of a company if you are unsure.

Please contact your local police department if you think you have been the victim of health reform fraud. You can also file a complaint online with the Federal Trade Commission.

Ryan Schuster is an editor in the Communications department at Blue Cross Blue Shield of North Dakota.