Beware Affordable Insurance Companies
According to Census report, around 50 million Americans do not carry health insurance. On the other side, useless discount cards of bogus insurance plans are growing fast in the dark market. The majority of people took help of internet to get health insurance and often sign up with a useless and harmful site. Most of them are using words for a search “find affordable health insurance”. A list of companies are displayed which seems very relative at first glance but many times it is not. Many fake sites are designed to generate personal information from public and they sell private health information as well as legal terms to those who will pay.
While seeking for a health insurance form, just look for every terms and condition. The question arises in mind that how to recognize a fake insurance. Before filling a form, check all terms and conditions and other information.
Generally, the insurance form is started with basic questions about location and current insurance status. The next page gets to ask about height, weight, smoking habit, about pre- existing health conditions. They also ask to tick out in any box next if there has any of following conditions: aneurysm, cancer, clinical depression, diabetes, drug/alcohol abuse, emphysema, heart disease, HIV/AIDS, hypertension, kidney disease, liver disease, multiple sclerosis, paralysis, stroke, or any other major illness.
The very next page will ask to fill out first and last name, address, phone number and e-mail address. And lastly, they ask to put a tick in a box saying you have read its privacy policy and agree to its terms of use. Now, before accepting terms and conditions, read policy thoroughly. Give special attention to these words:
“You hereby agree that the information you provide does not constitute private health information as is generally understood in the industry. By submitting your personal information to us, you are providing us with your written and signed a consent for receiving telemarketing calls. You agree that company has obtained your consent to receive a prerecorded message sales call in a manner permitted by the Electronic Signatures In Global and National Commerce Act (E-SIGN Act). By agreeing to these terms, you hereby consent to disclosure of any record or communication to any third party where the company, in its sole discretion, determines the disclosure to be appropriate.”
Stop here if you read like this. Personally, identifiable information and private health information must be between a person and his doctor. There are many cases of frauds by using the internet. So that, before registered online, check out its legal terms and if possible, visit health insurance’s head office personally.
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