The final details are being put together for the health insurance exchanges that will start next January. The applications have been released, and processing of them will begin in October. Already, the Better Business Bureau says scammers are trying to use the program to steal your personal information.
The BBB says the callers are claiming to be from the federal government. Consumers are told they’ve been selected to be a part of the initial group of Americans who receive insurance cards through the Affordable Care Act. Before you can get the card, you need to provide your bank account information and social security number.
Sharing personal information with an illegitimate source puts you at risk for identity theft. You should always initiate the call before providing such sensitive information. You should always question the legitimacy of any organization who calls you requesting that information. Instead of giving the information, ask for a call back number. Research the company and call it back.
If you did your research, you’d realize the application process doesn’t even start until October.
Scammers are slick, and you need to be careful even with caller ID. There are ways to spoof a caller ID number to legitimize a fraudulent call. So, the thieves could prompt a government number to show up on your caller ID. That doesn’t mean it’s legitimate.
Be careful who you tell what, as these ripoffs will only increase as we get closer to this new insurance program.