List of fake Health Insurance Companies in 2023

Many people are shocked by the fact that the majority of health insurance companies are fake. There are several types of fake health insurance companies. The most common is when the policyholder never receives a bill.

Find out which list of fake health insurance companies and why they’re fake. A look at some of the top online health insurance scams that have emerged in recent years will be discussed in this article. 

They are all scams, so please be aware of the warning signs and avoid them. You can always go to a legitimate company if you are sick or injured, but you don’t want to pay for insurance for the rest of your life. These companies offer false hope and usually lead you to believe you qualify for government assistance that is not available to you.

Beware of Fake Health Plans

A popular way to save healthcare money is to enroll in a health plan under your employer’s or your name. However, several fake options are available online if you don’t like the plan.

While these plans offer considerable savings, they may also have hidden fees. So before you sign up for a fake health plan, ask about the coverage and verify it has all the benefits you seek. You should be able to find out everything you need by reading the fine print. Fake Health Insurance Plans: Scammers call and try to sell you health insurance plans that aren’t real.

Types of Health Insurance Fraud

types of health insurance fraud
  • Medical equipment fraud
  • Billing for services not provided
  • Upcoding of services
  • Double claims
  • Unbundling
  • Excessive and unnecessary services
  • Falsifying the medical procedures

Medical equipment fraud

As with the upcoming services, medical devices are being provided fraudulently. Take, for instance, a paralyzed patient getting Medicare billing for a power wheelchair when it was only a manual wheelchair. It will be charged to the patient for Medicare devices that he has never received. The patient’s health insurance company will pay the bill for Medicare devices. Under the Affordable Care Act, the government can fine you if you choose not to buy health insurance. But this fine is paid when you file your federal tax return. So instead of getting the health insurance coverage you and your family need, you could end up with a so-called “health plan” covering a few medical expenses.

Billing for services never provided

Medicare and Medicaid can reimburse only medically performed procedures. Medical billing services that bill for treatments never given to patients are often fraudulently billed to health insurers through unethical practices. In addition to falsifying Medicare signatures, corrupt billing services professionals may receive bribes or kickbacks.

Upcoding of services

It is possible for providers to significantly increase their claims payments by using codes of painful procedures with higher payment rates. Upcoding is a medical billing fraud. It involves billing Medicare and Medicaid for more expensive services than they should be.

Double claims

This form of insurance fraud involves submitting the same bill but changing a number so that Medicare is billed twice for a single service, even though it was only rendered once. Instead of filing a single claim twice, fraudsters charge the same healthcare service twice and receive additional payments.


There is supposed to be a single comprehensive code for a particular group of services. However, a physician often provides billing codes for multiple procedures for each service. If these services were bundled together, they would typically cost less. Instead, Medicare will charge a higher fee for handling the claim, resulting in a larger payout for the fraudster.

Excessive and unnecessary services

This fraud differs from excessive services by submitting claims for treatments that do not apply to the patient’s condition, such as charging for an echocardiogram when a patient arrives with a sprained ankle. Furthermore, some healthcare providers may perform medically unnecessary procedures or treatments to increase reimbursements.

Falsifying the medical records

Faking documents involves changing or modifying documents to fool someone else. For example, due to this type of fraud, the healthcare officer will falsely diagnose patients to order additional tests and collect them through billing. In the same way, specific treatments may not be approved (and won’t be paid) unless a diagnosis is first made. Government Imposters: Scammers call or email you, claiming they’re government officials.

Frauds vs. Mistakes

It is crucial to distinguish health scams from errors, omissions, or improper payments. Frauds occur when a person intentionally provides false information to make money.

In contrast to fraud, a mistake that results in a patient being billed for a treatment he hasn’t received is not a fraud. Furthermore, if a healthcare provider knowingly offers treatments or procedures that the patient does not need and then bills an insurer for these procedures for profit, this is healthcare fraud.

List of fake health Insurance companies

list of fake health insurance companies

Here are some of the worst and most fake insurance companies.

  3. UnitedHealth
  9. USAA

4 types of Health Insurance scams to avoid

  1. High medical discount plans
  2. Unexpected fees
  3. Suspicious claims
  4. High-pressure sales tactics

High Medical Discount Plans

In the United States, a high medical discount plan is a low-cost healthcare insurance plan that pays for certain medical services otherwise not covered by insurance. It often involves using an HMO or PPO structure, which requires the member to choose a specific doctor or group of doctors for their care.

Unexpected fees

Unexpected fees are another one of the most common problems with fake health insurance companies. They will often need to be upfront about how much a policy will cost or if any unexpected fees will be added at the end. That is why ensuring you get a free quote from a legitimate company is essential, so you don’t get charged any surprise fees at the end. “Reputable providers like Blue Cross Blue Shield and United Healthcare are not scams.

Suspicious claims

Healthcare fraud is a severe crime that can ruin your life. However, there are several ways to find out if your insurance company has been filing fraudulent claims. First, check your policy. If your policy contains a section on suspicious claims, this is where you can find out if you have received a doubtful claim. Also, you could file a complaint with the insurance company.

High-pressure sales tactics

High-pressure sales tactics are illegal and unethical. Salespeople are not allowed to use high-pressure sales techniques when selling something or someone. This includes pressuring people to buy products or services or to make decisions. It is also considered unethical and illegal for a salesperson to lie about selling a product or service. However, they can lie about the product’s or service’s benefits and features.

Billing for a covered service that is not covered

Billing for a covered service that is not covered is a common problem for medical providers. Non-covered services are those that are not covered by your medical insurance. These include acupuncture, chiropractic care, physical therapy, over-the-counter drugs, and dental care. It is, therefore, essential to understanding what reimbursement requirements are.

Knowing what services are covered under your health insurance plan before you go to the doctor or dentist for a covered service is essential. If you have non-covered services, you are responsible for paying for them out of pocket. Therefore, you will have to pay for the services yourself.

Community Mental Health Fraud

Community mental health fraud is a practice that involves misleading patients into believing they are being treated for mental illness by a fake or unauthorized physician.

For example, this happens in a community mental health center where mental health care professionals mislead patients about their illnesses to receive higher pay or higher reimbursements from insurance companies. In most cases, the insurance company is unaware of the fraud because the patient does not inform them.

Billing for services not rendered

A bill for services and care not rendered can often be presented in court because the scheme is so simple even half-asleep jurors can comprehend it. As a result, I often include evidence of billing for services that do not support the billing in my summary report, even when I put together a healthcare fraud case that includes more complex fraud schemes. Report health insurance and medical discount scams to the FTC (Federal Trade Commission) at and your state attorney general (link is external).

Medical Identity Theft

medical identity theft

Medical identity theft is a real problem in America today. Unfortunately, many people have lost their medical records due to identity theft. When this happens, they can no longer access the critical information needed to receive treatment for their health conditions. Fake health plans promise full coverage but deliver worthless or no benefits, leaving large medical bills to be paid from your pocket. How to report suspected fraud If you suspect identity theft? Please report it to the Federal Trade Commission.

It can take years for victims to regain their identities. This is because they will be required to provide the thief with new information about them, such as their social security number, birth date, driver’s license, and bank accounts. In addition, they will have to deal with fines, fees, and legal costs. Therefore, you should also contact your local police department.

High-pressure sales tactics

High-pressure sales tactics will turn people away from buying your health insurance. You may be just trying to do the right thing and give the customer what they want, but you should not use these methods. 

Instead, try to give them helpful information that helps them decide what is best for them. Make sure you are upfront with the customers about your costs and the different plans you have available. Always tell them the truth about what they are paying for, even if it makes them mad. If you are not honest with the customer, they might not be as likely to buy from you.


In conclusion, you should always shop for a policy that meets your needs to save money on health insurance. Look into which company offers the most comprehensive coverage for the lowest price. Check whether a consumer protection agency has rated the insurer. The National Association of Insurance Commissioners (NAIC) warns consumers to be careful when buying them. Find out if anyone in your family and friends works there. Look for a licensed company in your state. Avoid insurers that are not regulated by your state.

Frequently Asked Questions

How do I know if my health insurance company is legitimate?

There are several ways to determine whether your health insurance company is legitimate. You can go to, and you can also call your state insurance commission. You should also check with your employer, and they may know what company your plan is with. 

If you don’t have health insurance, it is essential to know what it is before you apply for it. If you need help finding where to get health insurance, ask your doctor or your state’s insurance commission for help. 

What are some examples of health insurance fraud?

Health insurance fraud is something that happens all over the world every year. It has become a big problem because of the high cost of medical treatment. Some people will try to scam the system by getting a fake medical condition to receive medical benefits.

Some even claim they have a disease or illness for free medical treatment. Unfortunately, this fraud will cost your insurance company a lot of money and could affect your health insurance coverage. 

Why am I getting so many calls about health insurance?

When people are looking for health insurance, they call because they are trying to figure out how to pay for it. The Affordable Care Act requires all Americans to have health insurance or face a fine. However, many people need clarification about how to find affordable health insurance.

If you don’t already have health insurance, you need to look into the marketplace for your state. You can also check with your local business association. In addition, your local hospital may have information about health insurance benefits and how to enroll in the marketplace.

What do You need to Know about Health Care Scams?

Many scams are happening these days, but this one should be addressed. A healthcare scam is when someone claims to be a licensed medical professional, such as a doctor or nurse, but they are not.

The people behind the scams often take advantage of people who are either sick or disabled. First, they will tell them that they have an illness or injury and that the only way they will get well again is to pay them money. Then, the scammers will ask for money upfront and will usually threaten to report the person to authorities if they do not pay up.

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