Health Insurance Scams Are on the Rise — Here’s How to Protect Yourself

The Call Sounds Legit — But It’s a Scam

“Hi! You’ve been pre-approved for a $0 health plan. Just give us your Social Security Number and payment info to lock it in.”

Sound familiar?

Health insurance scams are exploding — especially during enrollment seasons. These criminals pretend to be licensed agents, promise fake benefits, and pressure you to act fast. The result?You lose money, personal information, and often end up without real coverage.

Let’s break down how to spot these scams — and how to protect yourself and your family.

🚨 5 Signs You’re Dealing with a Health Insurance Scam

1. They Ask for Payment or SSN Upfront

   • A real agent helps you review your options first — no sensitive info needed before that.

2. They Promise "Instant Approval" or "Guaranteed Plans"

   • No one can guarantee a plan without checking your income and household info.

3. They Rush You to Decide on the Spot

   • Pressure = red flag. Real agents help you understand, not rush.

4. They Can’t Prove They’re Licensed

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     Always ask for their NPN (National Producer Number). If they dodge the question, hang up.

5. The Plan Sounds Too Good to Be True

   • If they say "covers everything, costs nothing, works everywhere" — it’s probably fake.

😠 Common Tricks Scammers Use

• Spoofed caller IDs to look like government numbers

• Fake websites that mimic HealthCare.gov

• Aggressive robocalls and text messages

• “Special deals” that require prepayment

They often target:

• Seniors

• Low-income households

• Immigrants

• Uninsured people searching online

🛡 How to Protect Yourself

✅ Never give personal info to random callers or texts✅ Only work with licensed agents (ask for their NPN)✅ Use secure, verified websites — like HealthCare.gov or trusted agency sites✅ Look up online reviews and ask for credentials✅ Report scams to the FTC or your state’s insurance department

💬 The Safe Way to Get Coverage? Talk to a Licensed Agent

At SentiumHealth, we do things the right way:

• ✅ Licensed & registered in the states we serve

• ✅ No-pressure consultations

• ✅ No cost to you — we’re paid by the carriers

• ✅ Real ACA-compliant plans only

• ✅ Secure handling of your information

📞 Want to Review Real Options with No Risk?

Call or text me: 📱 [407-815-5238] Chat live on this site: 💬 (Bottom-right corner)