Insurance Fraud Is On The Rise, Worry Less With EZ

The coronavirus pandemic has changed almost everyone’s life and finances. It has also changed the insurance industry. Many insurance companies switched to handling all of their day-to-day operations online, including handling claims, receiving payments and selling plans. While all of this has been happening, insurance scammers have seen an opportunity to steal information from innocent people. Unfortunately, if you do not use a trusted company that protects your information,  you could end up the victim of insurance fraud. You need to work with a trusted company like EZ; we make sure to protect your information with state-of-the-art technology.

Types of insurance fraud to watch out for:

illustration of a hand holding a cell phone with a chat on the screen and a robot next to the phone with a chat box
You can fall victim to insurance fraud from illegitimate chatbots offering insurance quotes that steal your information.
  • Bot quotes: Many companies have chatbots ready to answer your questions, with some even providing insurance quotes! Be careful with giving any information to these bots, though: some websites will use them to take out fake policies using your information stolen from lead generators. It is always best to use trusted websites and to speak with a licensed agent on the phone. This way you know you are giving your information securely. EZ not only secures our website so that your information is 100% safe, but our agents are your advocates and are highly trained to handle your information securely. 
  • Fake insurance companies and agents: Some scammers create fake insurance companies trying to sell you bogus health insurance plans. The General Accounting Office found 144 fake insurance companies that were pulling this scam, selling bogus health insurance plans to more than 200,000 policyholders, resulting in more than $252 million in unpaid claims. In addition to fraudulent insurance companies, there are also people who pose as agents and promise low premiums to get your attention. These fake agents will take your information and your money, pay the carrier, but then cancel the policy and keep your money.
  • Identity theft: In addition to stealing your money, scammers who pose as agents will also steal your information, including your social security number. Some will use your personal information to collect benefits and payments under your name without you even knowing, until after the damage has been done.

Avoiding These Scams

In order to avoid these scams you have to be aware of them. Keep yourself safe by never giving out your personal information to any company that contacts you unsolicited. Most importantly, you need to work with a reputable company, like EZ.Insure. EZ values you and is committed to keeping your identity secure, which is why we promise to protect your information against scammers with the best fraud prevention software. EZ’s website is 100% secure and you will always know who you are speaking with: after you fill out our form, we will give you your dedicated agent’s name and picture so you are familiar with them.a lock within a circle of encryptionIf you are in the market for health insurance, EZ’s agents will get you covered, securely. You will speak to a live agent after filling out our form, and we will assess your needs and find you a budget-friendly plan that checks off everything on your list. Because our agents work with the top-rated insurance companies in the nation, we will be able to compare plans in minutes and find the right plan for you and your family. To get free instant quotes, simply enter your zip code in the bar above, or to speak directly with a licensed agent in your area, call 888-350-1890.

Can Your Health Insurance Company Drop You?

Insurance companies are businesses, and, like most businesses, they have terms and conditions of service. It is possible for your health insurance to legally drop you, but only under certain circumstances. If this happens to you, don’t worry! EZ.Insure will help you find a new plan, for free. We know that you have a lot on your plate and might be feeling overwhelmed, so we will take that weight off your shoulders and help you to get back on your feet.

Reasons You Can Be Dropped

persons head with a mask on in a circle with the word "fraud" underneath it
Insurance fraud is one of the reasons that your health insurance company can drop you.

Insurance companies cannot drop you for any reason; there needs to be just cause. Here are some circumstances when you can be legally dropped:

  1. Insurance FraudIf you misuse your insurance policy in any way, then you have broken your contract with the company. Fraud can include faking your identity, or filing false claims. 
  2. Failure To Pay– Obviously,  if you fail to pay your premiums, then you will be in breach of your contract with the insurance company. If you have employer-based insurance that is  not automatically deducted from your paycheck, then make sure to pay your premiums on time. If you are lucky, you will have a grace period for unpaid premiums, although most insurance companies do not offer this. 
  3. Losing/Quitting Your Job – If you receive your health insurance through an employer, and lose your job, then your health insurance company has a right to drop you. You also forfeit your coverage if you voluntarily leave your job. 

While some people may think that you can get denied for filing too many claims, that is a myth. As long as your claims are legitimate, then you don’t have to worry. Health insurance companies in the U.S. are regulated by many laws on both the state and federal levels, so you can be sure that you won’t lose coverage just for making claims on your policy.  

picture with a road and 2 arrows poiting to an orange box with possibility written above it
EZ will find you an insurance plan after your company drops you. You have other possibilities.

There Is Hope

If you do end up losing your health insurance, don’t worry, you have options, and time. When a health insurance company drops you, they must give you 30 day’s notice before terminating  your plan. You also qualify for a special enrollment period when you lose health insurance, so take this time to compare other plans and sign up for a new one. If your plan was employer-based, then check to see if your employer offers COBRA plans to temporarily replace your old plan. 

Finding a plan can be overwhelming, especially after losing coverage, but we’re here to help. If you are lost, then EZ will provide you with a personal agent who will compare all the available options in your area, for free. Our highly trained agents will listen to your healthcare needs and budget, and advise you on which plan checks all of your boxes. To get free instant quotes on all plans, enter your zip code in the bar above, or to speak to an agent, call 888-350-1890. No hassle, no obligation.