Don't Become a Victim of Health Insurance Fraud

Unfortunately, health insurance fraud is rampant in the US. It's difficult to protect yourself from being victimized. As a matter of fact, people who are scammed might not even know it, until such time as they submit a claim. Only then do they discover that the once their claim is denied, that they have been victimized.

Is there a chance to prevent health insurance fraud from happening to you? Would you be aware of what to look for? There are many different characteristics of this fraud, but one in particular for you to watch out for: health insurance coverage being offered at a ridiculously low cost.

Be cautious of spam mail that promotes cheap health insurance, especially if you've never heard of the company offering it. Before you take any action, it's best to research the company's credibility. You can find ratings of health insurance companies at http://www.ambest.com. You can also verify that the company is licensed to transact business in your state, by contacting your state insurance commission.

Even if the company seems legitimate, you still should read and understand the offer. Check out the fine print. And to be wary of an offer that asks you to pay the total premium in advance, or insists you pay in cash.

Another step you can take is to contact your local hospital or family doctor and ask them if they accept this insurance. In fact, ask them if they'd even heard of it.

If you feel that you are a health insurance fraud victim, take the following three steps:

File a complaint with your state insurance commissioner.

Get in touch with your bank to prevent any scheduled future automatic insurance payments.

Speak to your local law enforcement officials.

Prevention is the best way of protecting yourself from health insurance fraud. If you are careful to begin with, you will avoid much anguish afterwards.

To see more articles about health insurance, such as individual health insurance plans, types of plans available, what a policy means, and more, please visit http://www.health-insurance-aid.com.

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About Guild Wars

Guild Wars is a series of massive multiplayer online role playing games (MMORPG) developed by ArenaNet of NCsoft, the make of many popular MMO's. There have been 3 stand alone games that have been released and one expansion. All installments of this game have been released solely for Windows systems.

The thing that makes Guild Wars different from most other massive multiplayers, is that it is a subscription-free game. Thats right, after the cost of the actual software, there are no monthly charges. The way Guild Wars makes money is by making its players pay nominal fee for extra areas. Guild Wars' online system is similar to Battle.net developed by Blizzard, as its totally free for both PvP and PvM players. Coincidently, many of the developers from Blizzard that worked on the Diablo series and some that were involved with World Of Warcraft were also involved in the development of Guild Wars as well.

Development of Guild Wars 2 is in progress, but it is unknown when the game will be released. There are rumors of an early 2008 closed beta release.

The original release of Guild Wars offers over 30 class/profession combinations and more the 200 quests. Each of the stand-alone releases and expansions includes more character professions, quests, and map areas to explore. Guild Wars has a gold based economy and as a result there are many services offering game currency and items for real world cash.

Just because Guild Wars is free doesn't mean you should brush it aside as a game not worth your time. Guild Wars has game play features and graphics that are competitive with other MMORPG's available on the market.

Guild Wars has won numerous awards since its release in April 2005 and has sold far more than 4 million copies. This obviously doesn't mean there are that many active players, but it's a good measure of the games popularity. It is a game that puts a majority of the games information on the users PC so they could cut back on bandwidth costs of their free protected servers. Essential files are downloaded at start-up and the rest of the data is downloaded in the background while you play.

Guild Wars is a great deal of fun to play, and I myself have wasted hours behind the screen playing this game. Guild Wars as a very low learning curve, so those new to the genre as well as MMORPG veterans can both enjoy this game.

Tom Kranz writes articles on debt prevention and management and debt management solutions and debt management programs.

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