Health Insurance Fraud: Risks for Students

Health Insurance Fraud: Risks for Students

Health insurance fraud has been on the rise among both providers of student health insurance schemes and those engaged in efforts to obtain and use identifying health insurance information. Student or university-based health insurance is required for students at both public and private universities; international students are required to have local insurance for their visa applications, and local students have to go through a lengthy process of waivers if they want to use another health insurance option, such as a parent’s or spouse’s insurance. An unfamiliarity with the workings of the complex third-party system of insurance reimbursement cause many students to skip reading their medical statements and trying to decipher their meaning. This common practice has helped the fraudulent providers, who are not caught unless identified and reported through careful investigation of patterns of behavior.