What Health Insurance Scams Should You Watch Out For?

Signing up for health insurance is always a little confusing, but this year, with changes to federal requirements and in how Nevadans sign up for coverage, there are even more challenges. Unfortunately, there are scammers out there who try to take advantage of this uncertainty and confusion.

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While Nevada Health Link takes fraud protection and prevention very seriously and works alongside law enforcement to address fraud claims, falling for a scam can leave you vulnerable. Knowing the most common scams and red flags to watch out for is the best way to protect yourself against identity theft and financial loss.

Spotting a Health Insurance Scam in Nevada

3 Common Health Insurance Scams


Fake Health Insurance Agents and Brokers

The most common type of health insurance scam involves the scammer pretending to be a licensed health insurance agent or broker. They claim that for a small fee, they can help you find the right plan. However, this “small fee” gives them access to your bank account.

Discount Medical Plans

Discount medical plans aren’t illegal, but they’re not the same as qualified health insurance plans. For this reason, it’s illegal to sell them as health insurance. Scammers often try to sell discount plans that provide discounted rates at pharmacies and doctor’s offices. However, these plans don’t cover the ACA’s 10 essential health benefits. If you purchase one of these plans expecting comprehensive coverage, you could end up with extensive medical expenses.

New Insurance or Medicare Card

If someone contacts you about getting a new insurance card, whether it be by phone or mail, beware of giving them personal information like your Social Security number and bank account information. If you receive a new Medicare card in the mail that you did not ask for, call 1-800-MEDICARE to verify its authenticity.


Red Flags to Watch For


High Pressure

Scammers know that if they put a lot of pressure on you to make a quick decision by telling you that a certain price is only good for a certain amount of time, you’re more likely to do what they want you to do. If someone calls you with insurance from “Aetna, United, Blue Cross Blue Shield, Cigna” etc., please, please, please… be careful!!  It may not be health insurance from these large and very reputable companies at all.


Threats, such as threats of arrest, jail time or fines, are a common tactic that scammers use to spark fear and get you to hand over personal information.

Unsolicited Contact

Unsolicited emails from legitimate financial institutions and government agencies will never ask you to verify confidential information like your Social Security number or bank or credit card numbers.

Charges for Service

Health insurance agents are compensated by health insurance companies, not by their clients. If a salesperson is asking you for commission compensation, you may want to find a different broker/agent.

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Getting Trustworthy Help from Nevada Insurance Enrollment

Finding a health insurance agent that you can trust is important for ensuring that you get the coverage you need without paying more than you should. If you have any questions about health insurance or you need assistance in finding the right policy for your needs, a health insurance agent from Nevada Insurance Enrollment can help.

Related Articles:

Health Insurance Scams

Prescription Discount Card vs. Prescription Insurance

What Are Essential Health Benefits and Who Has to Have Them?

Health Insurance: Saving Money with Negotiated Pricing – Membership Matters


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