When your identity is stolen, not only do you need to worry about your financial information, but your medical records are at risk, too. If your personal information has been used without your knowledge or consent to obtain or receive payment for medical treatment, goods or services, you’re a victim of medical identity theft. You may find that your medical records are inaccurate, dangerously impacting your ability to receive proper medical care as well as your insurance benefits. To detect medical identity theft, the Federal Trade Commission says you should:
- Closely monitor “Explanation of Benefits” statements you receive from your health insurance carrier. Contact the insurance company or your healthcare provider immediately if something looks inaccurate, even if you don’t owe any money.
- At least once a year—or more often if you have a cause for concern—ask your health insurance carrier (or carriers) to send you a complete listing of benefits paid in your name.
- Monitor your credit reports with nationwide credit reporting companies to catch incidences of medical debts.