Don’t let criminals steal your identity

Health insurance reforms are bringing big changes. Unfortunately, criminals take advantage of change or confusion to try to get your money or identity.

People might try to sell you fake insurance or steal your identity by telling you they need your Social Security number or other personal information for a "national health insurance card." There is no such card.

Here are ways you can avoid health insurance schemes.

  • Work through an agent or insurance company you know or visit Cover Oregon at for help with insurance decisions. Cover Oregon is the state's new insurance marketplace. It has people trained to explain your options.
  • Look for a "Summary of Benefits and Coverage" on legitimate health insurance plans. This summary will say whether the plan provides "minimum essential coverage." Most people who are on their own to buy an individual (nongroup) plan will need coverage that contains required benefits to avoid a penalty in 2014. You have through March 31, 2014, to enroll in a plan. 
  • Be suspicious of anyone who visits your home unannounced, calls you out of the blue, or sends emails offering coverage at too-good-to-be-true prices. Medicare and other government officials do not call out of the blue and ask for your Medicare card number.
  • Do not volunteer a Social Security number or a credit or debit card number to anyone you do not personally know. Do not sign any paperwork or write a check with these people. 
  • Remember this simple formula: STOP - CALL - CONFIRM.
    • Stop to ask a salesperson for identification and a phone number.
    • Call the Oregon Insurance Division or Cover Oregon.
    • Confirm whether an insurance company, agent, or other person is authorized to help you. You can reach the Insurance Division at 888-877-4894 (toll-free) and Cover Oregon at 855-268-3767 (toll-free).



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