When ANNOYING turns DANGEROUS.
Scam artists know we're all looking for ways to pinch pennies. With an estimated $70 billion lost to health insurance fraud each year, it's important you're careful when making health care decisions.
Whether you have employer-sponsored health insurance, coverage through a government-sponsored program or purchase your own insurance policy, protect yourself. Be wary of offers that guarantee coverage, propose to waive your co-pay, or that try to sell you insurance through emails, pop-up ads, over the phone or by posting flyers.

For all insurance coverage, follow these common sense rules:

• Protect your health insurance card like your credit card.
• Read your policy and Explanation of Benefits statements - make sure you were at the doctor on the dates listed and that you received the treatments listed.
• Beware of "free" offers that are often fraudulent schemes to bill you and your insurance for treatments you didn't receive.
• Be careful when providing your Social Security number, Credit Card numbers or other personal information.
• Most importantly, report any suspicious activity to your insurance company and always ask questions and get answers.

National Health Care Anti-Fraud Association
1201 New York Avenue, NW, Suite 1120
Washington, DC 20005
www.nhcaa.org

New York Health Plan Association Council
90 State Street, Suite 825
Albany, NY 12207-1717
www.nyhpa.org

AETNA
To report fraud, call 1.800.338.6361
or e-mail: aetnasiu@aetna.com

AmeriChoice
To report fraud, call 1.877.401.9430

AMERIGROUP Community Care
To report fraud, call 757.518.3633
or e-mail: corpinvest@amerigroupcorp.com
or complete an online waste, fraud & abuse response form: click

Capital District Physicians' Health Plan, Inc.
To report fraud, call 1.800.280.6885
or e-mail: specialinvestigationsunit@cdphp.com

The Chubb Group of Insurance Companies
To report fraud, call 1.800.35 Chubb (1.800.352.4822)

CIGNA
To report fraud, call 1.800.667.7145
or e-mail: specialinvestigations@cigna.com

EmblemHealth
To report fraud, call 1.888.4KO.FRAUD (1.888.456.3728)
or e-mail: kofraud@emblemhealth.com

Empire BlueCross BlueShield
To report fraud, call 1.800.IC.FRAUD (1.800.423.7283)
or e-mail: icfraud@empireblue.com

Excellus BlueCross BlueShield
To report fraud, call 1.877.800.0910
Rochester Region: 1.800.378.8024
Central NY Region: 1.800.219.8943
Utica Region: 1.800.925.9154
or complete an online form: click

The Guardian Life Insurance Company of America
To report fraud, call 1.800.477.5908
or complete an online form: click

HM Life Insurance Company of New York
To report fraud, call 1.888.842.5699
or complete an online form: click

Independent Health
To report fraud, call 1.800.655.1182
or complete an online form: click

MetroPlus Health Plan
To report fraud, call 1.800.303.9626

Mutual of Omaha Insurance Company
To report fraud, call 1.800.936.9396
or e-mail: special.investigations@mutualofomaha.com

MVP Health Care
To report fraud, call 1.877.TELL.MVP (1.877.835.5687)
or complete an online form: click

Oxford Health Insurance, Inc.
To report fraud, call 1.866.242.7727
or visit https://www.oxhp.com/main/fraud.html

Oxford Health Plans (NY), Inc.
To report fraud, call 1.866.242.7727
or visit: https://www.oxhp.com/main/fraud.html

Principal Financial Group
To report fraud, call 1.800.642.3788
or complete and unethical or fraudulent activity reporting form: click

UniCare, a WellPoint Inc. company

Unimerica Life Insurance Company of New York, Inc.
To report fraud, call 1.866.242.7727

United Concordia Companies, Inc.
To report fraud, call 1.877.968.7455
or complete and online fraud complaint form: click

United HealthCare Insurance Company of New York
To report fraud, call 1.866.242.7727

United Healthcare of New York, Inc.
To report fraud, call 1.866.242.7727

Univera Community Health
To report fraud, call 1.800.378.8024
or visit: http://www.univeracommunityhealth.org/fraud.html

Univera Healthcare
To report fraud, call 1.800.378.8024
or visit: http://www.univeracommunityhealth.org/fraud.html

Vision Service Plan (VSP)
To report fraud, call 1.800.877.7236
or e-mail: contactSIU@VSP.com