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Health insurance fraud represents one of America’s largest taxpayer rip-offs ever, costing Americans literally billions of dollars every year.

Due to rampant deception, scams and abuse in the health care system, consumers are forced to pay the price–literally–through escalating medical costs and rising health insurance premiums.

And government programs like Medicare and Medicaid, designed to help the low-income and elderly, represent two of the biggest losers of all.

Health Insurance Scams

According to the Insurance Information Institute, health providers and facilities such as doctors, hospitals, nursing homes, diagnostic labs and attorneys routinely attempt to defraud the health insurance system…with devastating results.

How do they do it? In a number of ways, including:

1. Billing health insurance companies for expensive treatments, tests or equipment patients never had or never received
2. Double- or triple-billing health insurers for the same treatments
3. Giving health care recipients unnecessary, dangerous, or life-threatening treatments
4. Selling low-cost health insurance coverage from fake insurance companies
5. Stealing medical information and using it to bill health insurance companies for phantom treatments

If health insurance fraud knocks on your door, these types of scams may leave you with medical debts, damaged credit ratings, falsified health records, a high level of stress and overpriced health insurance premiums…or the inability to get any health insurance at all.

So what can you do about it?

Report it; then fight back!

What to Watch For

The first step to fighting health insurance fraud is keeping your eyes and ears open for abuse.

Be especially watchful for providers who:

• Charge your health insurance company for services you never received or medical procedures you don’t need
• Give you prescriptions for controlled substances for no justified medical reason
• Bill your health insurance company for brand-name drugs when you actually get generics
• Misrepresent cosmetic or other health care procedures not usually covered by health insurance plans as covered

If you notice a health care provider doing any of these things, keep all supporting paperwork handy for reference, and then contact your health insurance company to let them know.

Then, if you’re a Medicare or Medicaid recipient, call the U. S. Department of Health and Human Services and report the abuse.

Finally, contact your state department of insurance or the local police.

Fighting Health Insurance Fraud

To keep yourself from falling victim to health insurance fraud, take the following steps to fight back:

* Check with your state insurance department to make sure your health insurance company is licensed in your state.

* Check out your health insurance company for consumer complaints, fraud convictions and bankruptcies through your state department of insurance.

* Keep detailed medical records.

* Carefully review your billing statements.

* Never sign blank insurance claim forms.

* Avoid salespeople offering free health services or advice.

* Protect your medical records and information.

* Make sure you know what your health insurance policy covers–and what it doesn’t.

* Never pay your health insurance premiums in cash.

* Be wary if you’re asked to pay a full year’s premium up front.

* Be on guard against medical providers claiming to be connected with federal programs or the government.

* Beware of health insurance companies offering you coverage at an unreasonably low price.

* Ask your health insurance provider about anything you don’t understand regarding your bills.

Making a Difference

Protect your right to health insurance, lower your premiums and keep your medical information safe. All it takes is a little education, a watchful eye, and the willingness to make a difference!

About InsureMe Penny Hagerman is a copywriter and insurance information expert with InsureMe in Englewood, Colorado. InsureMe links agents nationwide with consumers shopping for insurance quotes. Specializing in auto, home, life, long-term care and health insurance quotes, the InsureMe network provides thousands of agents with insurance leads every year. For more information, visit InsureMe.com.

Want to take a race with wind! Not a bad idea at all; only you need to have the right sports car to give you company. Cars are the most passionate possessions in the boy’s toy’s list especially when it comes to throwing challenge to the wind. So how do you find your dream sports car that gives you the height of joy at the top speed, yet comes for an affordable price? Well, here are a few useful tips to find out your sports car without burning a hole in your pocket.

Begin with the used cars

The most practical way of buying your car for most affordable price is to go for a used sports car. You can look for the classic sports cars like Fiat or Triumph, which can be restored back to their old glory for little price. These pre owned cars will help you to save on your sports car budget without cutting down on your adrenaline rush at the time of wild driving of a sports car. Owning and driving sports car become really enjoyable when you know where to find the most lucrative deals. There are two surefire ways of finding your dream sports car at an affordable price.

Online auction

Ask around and most of the auto enthusiasts will let you know that the best place for finding your dream sports car is the internet auto auctions. If you really want to strike it big, then take a virtual journey through the online auction of eBay Motors— the largest online auction in the world. The vast range of comparison that you can experience here is really amazing. But the best thing about eBay Motors is: you can strike gold here by taking the advantage of some real good bargains.

However you should take notice of some important areas like shipment and model number before entering into any sort of commitment.

Deals through friendly car mechanic

One way of grabbing a great bargain is forging a rapport with your local car mechanic. He is the best person to supply you with valuable information about fabulous deals at an unbelievable bargain. Informing beforehand your mechanic about the sports car you are looking for will definitely help you to come across the sports car of your dream. The mechanic is a person to rely on so far as buying a used car is concerned because the mechanic has worked on the car and he knows the exact condition of the car.

Sometimes the car owners fail to foot the bill of the car repairing and in that case the mechanic gets back his money by putting the car for sale. This situation can offer you a particularly lucrative deal as it allows for great bargains.

In case you do not happen to find the sports car of your dream in pre owned market, keep an eye on the advertisements put up by the car dealers; sometimes car dealers offer big rebates and huge discounts that make for a really lucrative deal. Grab these offers to become the proud owner of a brand new sports car that won’t make you break the bank.

***You may use this article on your website as long as the two URLs are hyperlinked.

Tania Penwell provides information on sports cars and other car topics for Auto Savvy – featuring auto news, car shopping tips, and information.