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The obamacare marketplace and how you can keep yourself safe.

 

The following are tips to guard your security in dealing with the marketplace.

 

1) A real agent will give you their agent or ID number and if they decline to, do not hesitate to ask them for it. Be sure to always write this information down in a safe place where you can find it later if needed.

 

 2) Keep track of the Marketplace open enrollment dates (in 2015 these end on February 15). With a few exceptions, no one can enroll you in a Qualified Health Plan outside of the the official enrollment period. 

This doesn’t stop you from seeking health insurance outside of the the Marketplace with a regular health insurance company for example, but you can’t get a new Marketplace plan.

 

3) Do NOT give a caller your personal, financial or medical information over the phone. Real agents never ask you for this.

 

4) An individual who calls from an insurance company other than the one you’ve chosen and asks you to pay or provide financial information is most likely a person pulling a scam.

 

5) Scammers also claim to be an official but uses the “Obamacare” term and says you have to pay for a new “Obamacare” card.

 

6) Make sure to check (as many times as needed) for any information that you don’t understand or seems suspicious. call the Marketplace at 1-800-318-2596 (TTY number: 1-855-889-4325). You can also call the number if you suspect fraud.

 

7) If the call is legitimate but you feel uneasy about giving important information over the phone, you have the right to ask the agent to mail a letter with instructions on completing your application.

 

The FTC says: “If you’re looking for health insurance, make sure that’s what you’re buying. Your state insurance commissioner’s office can tell you if a plan isn’t insurance — and whether the seller is licensed in your state — and may be able to alert you to a scam. Find your contact at naic.org or consumeraction.gov. 

 

8) A real medical discount plan can be a way for some to save money on their healthcare costs, but no discount plan should be substituted for health insurance.”

 

Obamacare” is likely to remain in the headlines/news through 2015 but be sure to follow the rules above so that it doesn’t negatively affect you.

 

 

 

 

 

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