Health Care Insurance

health care safety and quality

Protect Yourself from Health Care Fraud


To avoid insurance fraud:

1.  Only visit your personal doctor, hospital or clinic for medical help. Only they should make referrals for special equipment, services or medicine.
2.  Never show anyone your medical or prescription records without first talking to your doctor or pharmacist.
3.  If someone calls and tries to threaten or pressure you into something – simply hang up the phone.
4. If someone comes to your door and says they are from Medicare or some other health care company shut the door…It’s shrewd to be rude!
5.  Do your homework and talk to your health care provider before buying or investing in internet “cure-all” or “miracle” products or services.
6.  Don’t keep mail in your mailbox for more than one day. People steal personal information right out of your mailbox.
7.  Rip up or shred your Medicare or other health care papers and other important documents before throwing them away. Crooks go through the trash!
8.  Treat your Medicare & Social Security numbers like credit cards. If someone offers to buy your Medicare or social security number, don’t do it…it’s simply not worth it.
9.  Remember that “Medicare” doesn’t sell anything.
10.  Follow your instincts—if it seems too good to be true, it usually is!
11.  If you suspect an error, fraud or abuse related to health care, gather the facts and report it.
12.  ALWAYS read your Medicare Summary Notice (MSN) or health care billing
statement. Your Medicare Summary Notice is the piece of mail stamped “This is Not
a Bill” that comes in after you get medical care. Look for three things on your billing statement:
• Charges for something you didn’t get
• Billing for the same thing twice
• Services that were not ordered by the Doctor

If you suspect fraud, call the National Insurance Crime Bureau’s hotline at 1-800-835-6422. For more information, check out www.insurancefraud.org


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Posted on on June 1st, 2008 in Getting Help, Protect your Family, Protect your Health, Uncategorized | 4 Comments »

Some tips to help you get Cheap Car Insurance


We are all different in what we are going to pay for and what we are not. Have you ever noticed how people will pick and choose what they are going to spend top dollar for and what they are going to scrimp on? I tend to be this way with grocery items. I do not care what brand name the item is as long as it is a good value.

I have never been so impressed with one brand or another that I need to buy one over the other. There are other things that I have tried to save on, but have found that the cheapest is not always the best.

We were looking for better rates on our car insurance. We felt that the amount we were paying was too high. We found cheap car insurance through an internet quote. The savings were substantial. We were careful to enter all the information requested on the forms for the quote so that we would maintain the same coverage.

Even though the company for the cheap car insurance did not want to send it out prior to us signing up, we did get a full copy of the general policy. There were some things that we were giving up going with the cheap car insurance, but it seemed worth it.

The main thing we were letting go of was a free rental car in case our car was in for repairs. We reasoned that we have an extra vehicle that we use for recreational purposes so we could use that one if one of the vehicles we use daily is in the shop.

We were all set to sign up for the cheap car insurance when we were contacted by the company and were told that they rate would be higher than we were originally quoted. The initial quote was for the three vehicles that we wanted to insure however our driving history was not taken into account.

I had received a speeding ticket thirty-two months prior to the quote and my husband had received one eight months prior to the quote. The speeding tickets remain on your record for three years and affected the premium by over six hundred dollars a year.

Two things really surprised me. One was the fact that the two tickets had that large of an affect and two that the company would send out papers to sign us up and give us a quote prior to having our driving history in front of them.

This experience taught us to ask many more questions when being given a quote. The main question to ask is if the cheap car insurance quote is specifically for your driving record and your automobiles or if is a general listing based on the automobile only.


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Posted on on May 28th, 2008 in Protect your Assets | 1 Comment »