Protect Yourself and Report the Latest Frauds, Scams, Spams, Fakes, Identify Theft Hacks and Hoaxes
If you went online looking for health insurance, and you entered you phone number on a website, such as eHealth.com, don't be surprised if you are then bombarded by spam calls from telemarketers selling health insurance. As far as we can see, from our own personal experiences, eHealth makes your phone number to just about anyone. A few of the callers are legitimate insurance companies.
So, here's what you need to know:
The vast majority are the worst kind of telemarketers selling healthcare policies that they resell. In other words, they are calls from health insurance brokers who simply resell plans from insurance companies. No matter how convincing they sound, trust us, they have nothing better than what you can get yourself by contacting the health insurance companies (like Human, Cigna, BlueCross/Blue Shield Anthem, etc.) yourself. In fact, they are worse, since they bundle and package policies and add ons that you don't need or want, and drive up the overall cost.
Worst still, most of their plans are simply worthless. They aren't true insurance at all, but "cost savings" plans, like negotiated prices. These have no value to all but a very, very few people..
They will call you at all hours of the day and night, and the same numbers will call repeatedly. They often call and say nothing, then hang up after a minute. Or, the same person calls and asks the same questions all over again. .
Some of the robocalls claim be about health insurance and the Health Insurance Marketplace, but the calls were a scam. The callers were fishing (called phishing) for personal information. The legitimate Healthcare Marketplace doesn’t make cold calls, (they only return calls with established clients) and they never ask for personal information. If you get a call like this, hang up.
Many of the phone numbers showed up with a local area code. The recorded message sounds urgent: “You need to buy health insurance or face a fine. To learn more, press 1.” According to reports from the FTC, a person who works in the Health Insurance Marketplace got the call and knew it was fishy, so she pressed 1. The operator claimed to ‘work with the law,’ and asked for the person’s full name, date of birth, phone number, income information and Social Security number. The person who got the call knew it was a scam, so she hung up and contacted the FTC.
If you get a recorded sales call, but you didn’t give the caller written permission to call you, the call is illegal. Don’t press 1 to speak to the operator or get your name taken off the list, and don’t give any personal information. If you respond, you’ll probably get more calls. If you want information about health insurance in your state, visit call the insurance companies (numbers below) directly or go to www.HealthCare.gov. If you get a call like this, please report it to the FTC
Obviously, you want to stop the calls and prevent this from happening again. Here's what you do:
If you receive telemarketing calls after your phone number has been in the national registry for 31 days, you can file a complaint using the same website and phone numbers. To file a complaint, provide the date of the telemarketing call, phone number, and name of the company that called you. The Federal Trade Commission advises that it is not necessary to register cell phone numbers on the DNC registry despite email claims circulating on the internet telling you to do so. You may also file a complaint if you receive a call that used a recorded message instead of a live person, even if your phone number is not on the registry.
If you are looking for health insurance, go directly to the providers website or call them:
And last, and definitely least, since they usually have the worst prices, is "Obama Care". If they are your only option, here is their contact info: