I am beginning the process of buying a house. I went over my credit report with my housing counselor, and I have a lot of outstanding medical bills. I begin to talk with my medical providers and insurance company to see how I can eliminate these bills, so I can purchase a house. I came across one claim that the insurance provider paid the full claim, but I paid a co pay. I contact the insurance provider and informed them that I made a co pay for the treatment. In less than five days, I received a refund check from the medical provider. Here are the 10 most common healthcare provider fraud schemes:
- Billing for services not rendered.
- Billing for a non-covered service as a covered service.
- Misrepresenting dates of service.
- Misrepresenting locations of service.
- Misrepresenting provider of service.
- Waiving of deductibles and/or co-payments.
- Incorrect reporting of diagnoses or procedures (includes unbundling).
- Overutilization of services.
- Corruption (kickbacks and bribery).
- False or unnecessary issuance of prescription drugs
I want to urge you all to check your medical claims online or request one from the insurance provider. This will help you not over pay for medical services and will help you work out a payment plan to stop these bills from ending up on your credit report.