Paying back medical bills is always a struggle for many people. The current insurance they have may not cover their test bills, additional elective procedures, and alternative therapies. So, people often look for a plan that may cater to these needs or have a lower premium.
Legitimate insurance portals have similar benefits to regular premiums and are upfront about what they cover.
However, when things appear too good to be true, they may not be real. We are talking about medical insurance discount scams that have taken over. They are preying on the most vulnerable people.
So, the FBI has released a warning against this scam where such fraudulent people are reaching out to people. They are pretending to be insurance agents providing policies that don’t even exist.
They are offering fake discounts and trying to tempt people into giving them money. Already, people have lost millions of dollars as they are not aware.
These people are reaching out to the public through texts, emails, and calls, acting like insurance provider representatives. They are very clever, pretending that this is a once-in-a-lifetime opportunity and won’t be available for long.
As they create a sense of urgency, people get deceived. Their reduced premiums are limited-time deals that people may want to invest in to get the most benefits. However, it is all fake, and once you pay them, your money will be gone forever.
The FBI has released a warning saying, “Discount medical insurance scams involve misleading or fraudulent offers for medical insurance plans that promise reduced rates on legitimate medical insurance but do not provide any actual medical insurance coverage, resulting in millions of dollars in losses annually.”
The #FBI warns the public of scams related to discount medical insurance plans. These scams involve misleading or fraudulent offers for medical insurance, promising reduced rates on legitimate medical insurance, but not providing any actual coverage. https://t.co/ofBYuxklRC pic.twitter.com/4m56Fj6dKy
— FBI Honolulu (@FBIHonolulu) May 2, 2025
They also tell how these fraudsters are looking for people who are vulnerable and do not have much money. They are on a hunt for people who want more affordable premiums, so they are using such tactics on them. Moreover, they are even providing free services for some time and luring people in.
Apart from this, they may also come with special deals that you may not be able to say no to. It is imperative that you be aware and not click on fishy links or reply to emails. Moreover, if you receive such a call, verify it and do not provide any details to such scammers.
The FBI suggests checking the insurance provider to be from a reputable company. It should be licensed with the state and have valid plans. One way to prevent such scams is to verify them with the Better Business Bureau or state insurance commissioner.
Beware of fraudulent offers for medical insurance plans that promise reduced rates on legitimate medical insurance but do not provide any actual medical insurance coverage. These scams often target people looking for more affordable healthcare options: https://t.co/I4xeDvmc0d pic.twitter.com/WDluOyO7Th
— FBI Houston (@FBIHouston) May 1, 2025
You may also verify your current providers and check the papers you have received. If you don’t receive any, there may be an issue with their plans. Also, make sure you do not pay upfront before confirming. Moreover, if a company asks for the first large premium, it may also be a red flag.
See that before getting the plan, you are aware of what they are providing, and there aren’t any hidden prices. Lastly, if you think you have been scammed, reach out to www.ic3.gov and file a report with the FBI’s Internet Crimes Complaint Center.
