Protect Yourself From Medical Identity Theft

Understanding Medical Identity Theft

Medical Identity Theft occurs when someone steals or uses another person's personal information, such as their Medicare or Social Security Number, without permission to fraudulently obtain medical services or products. The consequences can be severe, ranging from financial losses due to fraudulent medical bills to incorrect medical information contaminating the victim's health records.

The Federal Trade Commission (FTC) defines Medical Identity Theft as "when someone steals your Personal Information (like your name, Social Security Number, or Medicare Number) to get medical care, or uses your information to submit fraudulent claims for medical services." This definition underscores the importance of safeguarding personal information associated with healthcare services.

Medical Identity Theft can occur through various means, including:

Data Breaches: Hackers targeting Healthcare Providers, Insurers, or Government Agencies to access Sensitive Patient Information.

Stolen Documents: Physical Theft of Medicare Cards, Insurance Forms, or other documents containing Personal Details.

Fraudulent Practices: Unscrupulous individuals posing as healthcare providers or insurers to obtain personal information.

Once obtained, this information can be used to file false claims with Insurers, obtain Prescription Drugs, or receive medical treatment—all at the expense of the victim's insurance coverage and potentially their health.

Protecting Yourself from Medical Identity Theft

Given the serious implications of Medical Identity Theft, it is crucial to take proactive steps to safeguard personal information. Here are some essential tips:

Protect Personal Information:

Medicare and Social Security Numbers: Treat these numbers like you would a credit card number. Only provide them to healthcare providers you trust or legitimate insurers.

Medicare Card: Guard your Medicare card carefully. Avoid carrying it unnecessarily and ensure it is stored securely.

Understand How Your Information is Used:
Familiarize yourself with how Medicare and other healthcare providers use and protect your personal information. Be cautious of unfamiliar requests for personal data.

Monitor Healthcare Statements:
Regularly review statements and Explanation of Benefits (EOB) Forms from Healthcare Providers and Insurers. Report any discrepancies or unfamiliar charges promptly.

Be Aware of Medicare Policies:
Medicare will never call you to sell you anything or visit your home for unsolicited purposes. Be wary of unexpected calls requesting personal information.

Report Suspicious Activity:
If you suspect medical identity theft or fraud, report it immediately to the appropriate authorities. Visit: https://www.identitytheft.gov/ or contact Medicare directly for assistance.

What to Avoid

To reduce the risk of Medical Identity Theft, avoid the following practices:

Sharing Personal Information: Do not disclose your Medicare or Social Security Numbers unless necessary and to trusted entities.
Accepting Unsolicited Offers: Refrain from accepting money or gifts in exchange for medical care or providing Personal Information to unknown parties.
Unauthorized Access: Only allow Authorized Healthcare Providers to access your Medical Records or recommend services.

In conclusion, protecting oneself from Medical Identity Theft requires vigilance and awareness. By safeguarding personal information, understanding how it is used, and promptly reporting suspicious activities, individuals can mitigate the risks associated with this increasingly prevalent form of Identity Theft. As technology evolves, so too must our efforts to protect our Personal Data from exploitation and misuse.

By adhering to these guidelines and staying informed, individuals can minimize the likelihood of falling victim to Medical Identity Theft and ensure their healthcare remains secure and private.