There have been a lot of headlines lately about President Barack Obama’s Affordable Care Act, focusing primarily on the mismanaged roll out and the problems citizens have faced when they tried to register for the program online. However, these headlines have likely distracted millions of Americans from the real issues at stake when signing up for insurance in the legislation’s new marketplace.
Before the exchanges were even launched on October 1, scammers who had been keeping their eyes on the news were already calling, emailing and even soliciting door-to-door information or money from individuals who needed the health insurance in an attempt to conduct id theft.
Here are a few tips that you should follow to help you identify theft or potentially prevent it from occurring in the first place:
- If you are already insured, you don’t have to do anything as part of this new legislation. All it does is offer help to individuals who aren’t already insured through their job, school, government or a family member. If anyone asks for personal information in regards to the Affordable Care Act, don’t provide it and do your best to report the scam to the proper authorities.
- There is no application fee or charge associated with entering the healthcare marketplace, whether on the federal or state level, so if you are prompted to pay at all just to peruse the plans available to you, you are on the wrong site.
- The program runs through March 31, 2014, so individuals have plenty of time to wait and decide what kind of coverage they need. There is no reason to rush the process and a hasty decision may lead to inappropriate coverage given your situation.