{"id":352667,"date":"2016-04-04T10:42:08","date_gmt":"2016-04-04T15:42:08","guid":{"rendered":"https:\/\/content.findlaw-admin.com\/ability-law\/consumer\/online-scams\/identity-theft-and-obamacare-what-you-need-to-know.html"},"modified":"2024-02-18T18:57:34","modified_gmt":"2024-02-18T23:57:34","slug":"identity-theft-and-obamacare-what-you-need-to-know","status":"publish","type":"page","link":"https:\/\/www.findlaw.com\/consumer\/online-scams\/identity-theft-and-obamacare-what-you-need-to-know.html","title":{"rendered":"Identity Theft With Health Insurance: What You Need to Know"},"content":{"rendered":"\n<div class=\"wp-container-core-columns-is-layout-9d6595d7 fl-sectionWithSidebar fl-container fl-flex fl-flex-wrap fl-gap30\">\n    \n    <div class=\"fl-page-articles fl-section-main fl-section-main-full-width\">\n        <h1 class=\"fl-no-margin-top\">Identity Theft With Health Insurance: What You Need to Know<\/h1>\n<section class=\"fl-gutenberg-byline\">\n    <div class=\"fl-gutenberg-byline-content\">\n                    By <a href=\"https:\/\/www.findlaw.com\/company\/our-team\/hannah-hilst\/\">Hannah Hilst<\/a> | Legally reviewed by <a\n                href=\"https:\/\/www.findlaw.com\/company\/our-team\/melissa-bender-esq\/\">Melissa Bender, Esq.<\/a>\n                | Last updated\n        <time>\n                            February 18, 2024\n                    <\/time>\n    <\/div>\n\n    \n    <details class=\"fl-gutenberg-byline-toggle fl-gutenberg-byline-legally-reviewed\">\n        <summary>\n            <i class=\"fl-gutenberg-byline-icon\" aria-hidden=\"true\"><\/i>\n            Legally Reviewed\n        <\/summary>\n\n        <div class=\"fl-gutenberg-byline-toggle-content\">\n            <p><em>This article has been written and reviewed for legal accuracy, clarity, and style by <a href=\"https:\/\/www.findlaw.com\/company\/our-team.html\">FindLaw\u2019s team of legal writers and attorneys<\/a> and in accordance with <a href=\"https:\/\/www.findlaw.com\/company\/company-history\/editorial-policy.html\">our editorial standards<\/a>.<\/em><\/p>\n\n        <\/div>\n    <\/details>\n\n    <details class=\"fl-gutenberg-byline-toggle fl-gutenberg-byline-fast-checked\">\n        <summary>\n            <i class=\"fl-gutenberg-byline-icon\" aria-hidden=\"true\"><\/i>\n            Fact-Checked\n        <\/summary>\n\n        <div class=\"fl-gutenberg-byline-toggle-content\">\n            <p><em>The last updated date refers to the last time this article was reviewed by FindLaw or one of our <a href=\"https:\/\/www.findlaw.com\/company\/our-team\/contributing-authors.html\">contributing authors<\/a>. We make every effort to keep our articles updated. For information regarding a specific legal issue affecting you, please <a href=\"https:\/\/lawyers.findlaw.com\/?fli=bylinelink\" target=\"_blank\" rel=\"noopener\">contact an attorney in your area<\/a>.<\/em><\/p>\n\n        <\/div>\n    <\/details>\n<\/section>\n<p>You likely do almost everything online, including things related to your health. Medical services and insurance are more digital than ever.<\/p>\r\n<p>If you&#8217;re trying to get quotes or enroll in a health plan online, you&#8217;ll send private medical information over the internet. Unfortunately, this process could put your most intimate details at risk.<\/p>\r\n<p><a href=\"https:\/\/www.findlaw.com\/criminal\/criminal-charges\/identity-theft.html\">Identity theft<\/a>&nbsp;is a rampant problem, including in the insurance industry. Learn about medical identity theft risks and how to protect your information.<\/p>\r\n<h2>What Is Medical Identity Theft?<\/h2>\r\n<p><a href=\"https:\/\/www.findlaw.com\/criminal\/criminal-charges\/identity-theft.html\">Medical identity theft<\/a>&nbsp;occurs when someone steals information related to your health care or insurance details. They typically access this information through electronic medical records and insurance files. These records may include what you share to enroll in a&nbsp;<a href=\"https:\/\/www.findlaw.com\/consumer\/insurance\/health-insurance.html\">health insurance plan<\/a>&nbsp;online.<\/p>\r\n<p>Thieves may uncover your personally identifiable information (PPI), including your:<\/p>\r\n<ul>\r\n<li>Full name<\/li>\r\n<li>Social Security number<\/li>\r\n<li>Medicare number<\/li>\r\n<li>Insurance card or ID number<\/li>\r\n<li>Treatment or other medical history<\/li>\r\n<li>Credit card or bank account numbers<\/li>\r\n<li>Phone number and other contact information<\/li>\r\n<li>Home address<\/li>\r\n<\/ul>\r\n<p>Often, the thief uses these details to get health care or buy prescription drugs. Or, they might submit fake Medicare billings in the victim&#8217;s name to get reimbursements.<\/p>\r\n<h2>How Common Is Health Insurance Identity Theft?<\/h2>\r\n<p>It is unclear how often identity thieves and scammers steal medical information. Statistics on the frequency of medical identity theft are rare because this crime can be hard to detect. It is also often misreported as general health care fraud.<\/p>\r\n<p>In 2022, the Federal Trade Commission (FTC) received&nbsp;<a href=\"https:\/\/www.ftc.gov\/system\/files\/ftc_gov\/pdf\/CSN-Data-Book-2022.pdf\" target=\"_blank\" rel=\"noopener\">27,820 reported cases<\/a>&nbsp;of medical identity theft. In 2023, the U.S. Department of Health and Human Services tracked over&nbsp;<a href=\"https:\/\/www.hipaajournal.com\/healthcare-data-breach-statistics\/\" target=\"_blank\" rel=\"noopener\">700 major health care data breaches<\/a>&nbsp;that exposed millions of patient records. As far back as 2006, a report prepared for the government estimated that&nbsp;<a href=\"https:\/\/www.healthit.gov\/sites\/default\/files\/hhs_onc_medid_theft_envscan_101008_final_cover_note_0.pdf\" target=\"_blank\" rel=\"noopener\">250,000 Americans<\/a>&nbsp;were already victims of medical identity theft.<\/p>\r\n<p>These statistics suggest that medical identity theft is a growing problem. Your risk may be higher than you&#8217;d think.<\/p>\r\n<h2>Identity Theft on the ACA Health Insurance Marketplace<\/h2>\r\n<p>Your data may be vulnerable on any website, no matter how legitimate it is. Recent history has shown that even applying for government-sponsored insurance coverage can put you at risk.<\/p>\r\n<p>In late 2013, the federal government launched its online health insurance exchange. This official website was the only way for the public to sign up for benefits under the&nbsp;<a href=\"https:\/\/www.findlaw.com\/healthcare\/patient-rights\/the-pros-and-cons-of-the-affordable-care-act--obamacare-.html\">Affordable Care Act<\/a>&nbsp;(ACA), also known as Obamacare.<\/p>\r\n<p>Unfortunately, the initial rollout of the ACA Health Insurance Marketplace became the&nbsp;<a href=\"https:\/\/money.cnn.com\/2013\/10\/29\/technology\/obamacare-security\/\" target=\"_blank\" rel=\"noopener\">subject of criticism<\/a>&nbsp;for user data risks. Insurers have a legal duty to&nbsp;<a href=\"https:\/\/www.findlaw.com\/healthcare\/patient-rights\/what-can-i-do-after-an-improper-disclosure-of-medical-records.html\">protect patients&#8217; information<\/a>, but cybersecurity flaws with online systems leave the door open to hackers. Other state and regional exchanges are also susceptible to privacy issues. As recently as 2023, a&nbsp;<a href=\"https:\/\/www.nbcnews.com\/politics\/congress\/data-breach-hits-lawmakers-staff-capitol-hill-rcna74061\" target=\"_blank\" rel=\"noopener\">data breach<\/a>&nbsp;of the District of Columbia exchange (DC Health Link) affected more than 170,000 people.<\/p>\r\n<p>You can check the privacy policy to understand how&nbsp;<a href=\"https:\/\/www.healthcare.gov\/privacy\/\" target=\"_blank\" rel=\"noopener\">Healthcare.gov<\/a>&nbsp;will use your information. Regardless, watch out for signs that someone is trying to get health care services or file claims in your name.<\/p>\r\n<h2>How To Know If Someone Stole Your Identity<\/h2>\r\n<p>Some of the unique red flags for medical identity theft include:<\/p>\r\n<ul>\r\n<li>Bills in your name for medical care you never received<\/li>\r\n<li>Calls or documents from a medical provider about an unfamiliar procedure or treatment<\/li>\r\n<li>Rejection of your prescription medication at the pharmacy<\/li>\r\n<li>Denial of insurance coverage due to a new condition you don&#8217;t have<\/li>\r\n<li>Criminal accusations of illegal medical or insurance fraud that you didn&#8217;t commit<\/li>\r\n<\/ul>\r\n<p>You might also spot the other&nbsp;<a href=\"https:\/\/www.findlaw.com\/consumer\/online-scams\/detecting-identity-theft.html\">signs of identity theft<\/a>, such as finding unrecognizable debt in your credit report.<\/p>\r\n<h2>Protect Yourself Against Medical Identity Theft<\/h2>\r\n<p>Any time you give your personal information online, identity theft is a risk. Medical and insurance data is valuable to thieves. It often has more details about your life than something like your credit card number.<\/p>\r\n<p>You must rely on the business or exchange&#8217;s web security if you need health coverage. As a user, you can&#8217;t stop a large-scale data leak. Yet, some&nbsp;<a href=\"https:\/\/www.findlaw.com\/consumer\/online-scams.html\">forms of identity theft<\/a>&nbsp;involve tricking you into giving your details directly to the thief.<\/p>\r\n<p>Enrollees can take steps to reduce risk and&nbsp;<a href=\"https:\/\/www.healthcare.gov\/how-can-i-protect-myself-from-fraud-in-the-health-insurance-marketplace\/\" target=\"_blank\" rel=\"noopener\">avoid scams<\/a>, such as:<\/p>\r\n<ul>\r\n<li>Look for government web or email addresses (ending in &quot;.gov&quot;) when providing any personal medical information online<\/li>\r\n<li>Never give personal health information, including medical or treatment history, to anyone who&nbsp;<a href=\"https:\/\/www.findlaw.com\/consumer\/online-scams\/what-is-email-phishing-and-spoofing-.html\">claims to be associated<\/a>&nbsp;with the government or with Obamacare<\/li>\r\n<li>Store any paper records in a safe or deposit box<\/li>\r\n<li>Contact your state&#8217;s department of health or consumer protection agency to verify that an exchange, insurance company, or health care provider is genuine<\/li>\r\n<li>Be wary of pressure to sign up for other services or programs, such as getting a new&nbsp;<a href=\"https:\/\/www.findlaw.com\/healthcare\/medicare-medicaid\/what-is-medicare-fraud.html\">Medicare or Medicaid<\/a>&nbsp;card<\/li>\r\n<li>Ignore offers to help you enroll in ACA coverage for a fee (it is illegal for legitimate&nbsp;<a href=\"https:\/\/www.healthcare.gov\/glossary\/navigator\/\" target=\"_blank\" rel=\"noopener\">navigators&nbsp;<\/a>to charge you for this service)<\/li>\r\n<li>Check your credit report, medical records, and insurance records regularly to spot potential problems<\/li>\r\n<\/ul>\r\n<p>If you get a&nbsp;<a href=\"https:\/\/www.findlaw.com\/consumer\/online-scams\/online-safety.html\">suspicious call or message<\/a>, you can contact Healthcare.Gov to check that your identity is safe. You can also report fraud attempts to the&nbsp;<a href=\"https:\/\/consumer.ftc.gov\/identity-theft-and-online-security\/identity-theft\" target=\"_blank\" rel=\"noopener\">FTC<\/a>, which investigates medical identity theft to protect consumers.<\/p>\r\n<h2>Getting Legal Help with Identity Theft<\/h2>\r\n<p><a href=\"https:\/\/www.findlaw.com\/healthcare\/patient-rights\/patient-rights-basics.html\">Health care privacy laws<\/a>&nbsp;give you essential rights. If you believe an insurer or someone else exposed your personal information, you can talk to&nbsp;<a href=\"https:\/\/lawyers.findlaw.com\/health-health-care-law\/\" target=\"_blank\" rel=\"noopener\">a consumer protection<\/a>&nbsp;lawyer. They can help you evaluate your recovery for the damage you suffered from a stolen identity.<\/p>\r\n<div class=\"was-this-helpful\">\n    <div\n            class=\"was-this-helpful__question-container\"\n            aria-labelledby=\"was-this-helpful__question\"\n            role=\"group\"\n    >\n        <span\n                id=\"was-this-helpful__question\"\n                class=\"was-this-helpful__question fl-text-lg-bold\"\n        >Was this helpful?<\/span>\n        <button\n                class=\"was-this-helpful__button fl-text-sm\"\n                aria-label=\"Yes\"\n                value=\"yes\"\n        >\n            <span class=\"was-this-helpful__button-text fl-text-bold\">Yes<\/span>\n            <i class=\"was-this-helpful__button-icon\">\n                <svg width=\"22\" height=\"22\" viewBox=\"0 0 22 22\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n                    <g id=\"thumbs-up\" clip-path=\"url(#clip0_604_3418)\">\n                        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3.76965 1.16359 3.40212 1.47599C3.0346 1.78839 2.79235 2.22309 2.72003 2.7L1.34003 11.7C1.29652 11.9866 1.31586 12.2793 1.39669 12.5577C1.47753 12.8362 1.61793 13.0937 1.80817 13.3125C1.99842 13.5313 2.23395 13.7061 2.49846 13.8248C2.76297 13.9435 3.05012 14.0033 3.34003 14H9.00003Z\"\n                              stroke=\"#666666\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/>\n                    <\/g>\n                    <defs>\n                        <clipPath id=\"clip0_604_3423\">\n                            <rect width=\"22\" height=\"22\" fill=\"white\"\/>\n                        <\/clipPath>\n                    <\/defs>\n                <\/svg>\n            <\/i>\n        <\/button>\n    <\/div>\n    <span class=\"was-this-helpful__taken-action fl-text-sm-bold\"><\/span>\n    <div class=\"was-this-helpful__feedback-container\">\n        <div class=\"was-this-helpful__choose-option-message\" role=\"status\">\n            <p 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was-this-helpful__radio-label\"\n                                for=\"was-this-helpful__radio-button--understandable\"\n                        >Easy to understand<\/label>\n                    <\/div>\n                    <div class=\"fl-radio-button-field fl-flex was-this-helpful__feedback-form-title\">\n                        <input\n                                id=\"was-this-helpful__radio-button--solved-problem\"\n                                class=\"fl-radio-button-field-input\"\n                                type=\"radio\"\n                                name=\"positive-feedback\"\n                                value=\"Solved my problem\"\n                        >\n                        <label\n                                class=\"fl-radio-button-field-label fl-text-sm was-this-helpful__radio-label\"\n                                for=\"was-this-helpful__radio-button--solved-problem\"\n                        >Solved my problem<\/label>\n                    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class=\"was-this-helpful__feedback-form-title\" tabindex=\"0\">Why was this not helpful?<\/legend>\n                    <div class=\"was-this-helpful__choose-option-message\" role=\"status\">\n                        <p class=\"was-this-helpful__choose-option-message-text\"><\/p>\n                    <\/div>\n                    <div class=\"fl-radio-button-field fl-flex was-this-helpful__feedback-form-title\">\n                        <input\n                                id=\"was-this-helpful__radio-button--missing-info\"\n                                class=\"fl-radio-button-field-input\"\n                                type=\"radio\"\n                                name=\"negative-feedback\"\n                                value=\"Missing Information\"\n                        >\n                        <label\n                                class=\"fl-radio-button-field-label fl-text-sm was-this-helpful__radio-label\"\n                                for=\"was-this-helpful__radio-button--missing-info\"\n                        >Missing the information I need<\/label>\n                    <\/div>\n                    <div class=\"fl-radio-button-field fl-flex was-this-helpful__feedback-form-title\">\n                        <input\n                                id=\"was-this-helpful__radio-button--complicated\"\n                                class=\"fl-radio-button-field-input\"\n                                type=\"radio\"\n                                name=\"negative-feedback\"\n                                value=\"Too complicated\"\n                        >\n                        <label\n                                class=\"fl-radio-button-field-label fl-text-sm was-this-helpful__radio-label\"\n                                for=\"was-this-helpful__radio-button--complicated\"\n                        >Too complicated \/ too many steps<\/label>\n                    <\/div>\n                    <div class=\"fl-radio-button-field fl-flex was-this-helpful__feedback-form-title\">\n                        <input\n                                id=\"was-this-helpful__radio-button--dated\"\n                                class=\"fl-radio-button-field-input\"\n                                type=\"radio\"\n                                name=\"negative-feedback\"\n                                value=\"Out of date\"\n                        >\n                        <label\n                                class=\"fl-radio-button-field-label fl-text-sm was-this-helpful__radio-label\"\n                                for=\"was-this-helpful__radio-button--dated\"\n                        >Out of date<\/label>\n                    <\/div>\n                    <div class=\"fl-radio-button-field fl-flex was-this-helpful__feedback-form-title\">\n                        <input\n                                id=\"was-this-helpful__radio-button--negative-other\"\n                                class=\"fl-radio-button-field-input\"\n                                type=\"radio\"\n                                name=\"negative-feedback\"\n                                value=\"Other\"\n                        >\n                        <label\n                                class=\"fl-radio-button-field-label fl-text-sm was-this-helpful__radio-label\"\n                                for=\"was-this-helpful__radio-button--negative-other\"\n                        >Other<\/label>\n                    <\/div>\n                <\/fieldset>\n            <\/div>\n            <div class=\"was-this-helpful__form-buttons-container\">\n                <button\n                    class=\"was-this-helpful__feedback-button was-this-helpful__feedback-button--positive at-feedback-submit fl-button secondary\"\n                    type=\"submit\"\n                >\n                    <span class=\"fl-button-content\">Submit<\/span>\n                    <i\n                        class=\"fa fa-angle-right medium\"\n                        aria-hidden=\"true\"\n                    ><\/i>\n                <\/button>\n                <button\n                    class=\"was-this-helpful__feedback-button was-this-helpful__feedback-button--cancel fl-button primary disabled\"\n                    type=\"reset\"\n                >\n                    <span class=\"fl-button-content\">Cancel<\/span>\n                    <i\n                        class=\"fa fa-times-circle medium\"\n                        aria-hidden=\"true\"\n                    ><\/i>\n                <\/button>\n            <\/div>\n        <\/form>\n    <\/div>\n    <div class=\"was-this-helpful__thank-you-message\" role=\"status\">\n        <i class=\"was-this-helpful__thank-you-message-icon fa fa-check\"><\/i>\n        <p class=\"was-this-helpful__thank-you-message-text\" aria-live=\"polite\"><\/p>\n    <\/div>\n<\/div>\n\n\n    <\/div>\n    \n    <div class=\"fl-section-sidebar\">\n        <div class=\"fl-editors-summary\" data-testid=\"fl-editors-summary\">\n    \n    <div class=\"fl-editors-summary-content\" data-testid=\"fl-editors-summary-content\">\n                    <h2>Can I Solve This on My Own or Do I Need an Attorney?<\/h2>\n                <div class=\"fl-editors-summary-content-main\" data-testid=\"fl-editors-summary-content-main\">\n            \n        <\/div>\n        <ul class=\"fl-list-style-none\">\n                            <li data-testid=\"fl-editors-summary-content-item\">\n                    <i class=\"fa fa-check medium fl-editors-summary-content-item-icon\" aria-hidden=\"true\"><\/i>\n                    Consumer legal issues typically need an attorney&#8217;s support\n\n                <\/li>\n                            <li data-testid=\"fl-editors-summary-content-item\">\n                    <i class=\"fa fa-check medium fl-editors-summary-content-item-icon\" aria-hidden=\"true\"><\/i>\n                    You can hire an attorney to enforce your rights for safe products, fair transactions, and legal credit, banking and related financial matters\n\n                <\/li>\n                    <\/ul>\n                    <div class=\"fl-editors-summary-content-description\" data-testid=\"fl-editors-summary-content-description\">\n                <p>Legal cases for identity theft, scams, or the Equal Credit Opportunity Act can be complicated and slow. 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<\/div>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>Enrolling in health insurance plans can put your most private data at risk. Learn how to detect and avoid medical identity theft in this FindLaw article.<\/p>\n","protected":false},"author":41135,"featured_media":0,"parent":352662,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"app\/Http\/Controllers\/Templates\/ArticleWithBreadcrumbsController.php","meta":{"_acf_changed":false,"_stopmodifiedupdate":true,"_modified_date":"","_autodraft_ids":[],"_cloudinary_featured_overwrite":false,"_sb_is_suggestion_mode":false,"_sb_show_suggestion_boards":false,"_sb_show_comment_boards":false,"_sb_suggestion_history":"","_sb_update_block_changes":"","_is_real_time_mode":false,"_realtime_collaborators":"","footnotes":"","cf_checklist_status":[]},"categories":[2732],"tags":[],"state_laws_tags":[],"flmsa":[],"class_list":["post-352667","page","type-page","status-publish","hentry","category-consumer"],"acf":[],"_links":{"self":[{"href":"https:\/\/www.findlaw.com\/law-api\/wp-json\/wp\/v2\/pages\/352667","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.findlaw.com\/law-api\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.findlaw.com\/law-api\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.findlaw.com\/law-api\/wp-json\/wp\/v2\/users\/41135"}],"replies":[{"embeddable":true,"href":"https:\/\/www.findlaw.com\/law-api\/wp-json\/wp\/v2\/comments?post=352667"}],"version-history":[{"count":0,"href":"https:\/\/www.findlaw.com\/law-api\/wp-json\/wp\/v2\/pages\/352667\/revisions"}],"up":[{"embeddable":true,"href":"https:\/\/www.findlaw.com\/law-api\/wp-json\/wp\/v2\/pages\/352662"}],"wp:attachment":[{"href":"https:\/\/www.findlaw.com\/law-api\/wp-json\/wp\/v2\/media?parent=352667"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.findlaw.com\/law-api\/wp-json\/wp\/v2\/categories?post=352667"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.findlaw.com\/law-api\/wp-json\/wp\/v2\/tags?post=352667"},{"taxonomy":"state_laws_tags","embeddable":true,"href":"https:\/\/www.findlaw.com\/law-api\/wp-json\/wp\/v2\/state_laws_tags?post=352667"},{"taxonomy":"flmsa","embeddable":true,"href":"https:\/\/www.findlaw.com\/law-api\/wp-json\/wp\/v2\/flmsa?post=352667"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}