Privacy 101 – Medical Identity Theft

By Darity Wesley

“Effective health care depends on self-care; this fact is currently heralded as if it were a discovery…” -Ivan Illich

Just like effective health care, effective privacy protection depends on self care, particularly when it comes to your medical records. Keeping an eagle eye on who has access to your personal medical card, as well as your medical history, has become a 21st century imperative. Why?

Medical identity theft has become a growing threat to our well being, both financial and physical. The first documented case in the U.S. occurred in 2005. The perpetrator had a congenital heart condition. A guy he knew had health insurance and no history of any heart problems. The victim’s benefits information was stolen and the criminal incurred almost $150,000 in hospital bills over seven months.

This is scary, folks and for a couple of reasons.

First of all there are the obvious financial implications. Someone going on a shopping spree with your medical benefits is kind of like giving them a credit card with a million dollar limit.

The second reason could be life threatening. What if someone has usurped your medical identity, had a number of procedures done and prescriptions filled and you have a medical emergency? What will come up when the doctors pull your chart? All that erroneous information and if, God forbid, they don’t ask about your medical history or if you are unconscious, they will proceed to treat you based on that information. Not good! Even if that situation does not play out, it can take years before you realize your benefits have been stolen especially if you are in good health.

So, here are a few ways to make sure your medical identity is protected:

• Get a copy of your medical records now so if they are tampered with in the future, you have an accurate record of your history.

• Keep your medical and prescription benefit cards in a safe place. If your wallet is stolen and your medical cards are taken, notify your medical insurance provider.

• Review all of your statements and correspondences from your insurer. If your insurer sends “Explanation of Benefits,” they will tell you what changes have been made, payment allowances, and services received.

• Once a year request a complete list of annual payments your insurance company has made for your medical care. Don’t forget, it is easy for a thief to change an address and phone number.

As always, stay aware and alert. That’s good medicine for protecting your identity and privacy.