As you prepare to enroll in a new health insurance plan, it is important to take steps to protect your personal information. Here are some tips for keeping your information secure and out of the hands of potential identity thieves:
How this can hurt you immediately
When you submit your information on every website, you are making yourself vulnerable to identity theft and other online scams. In return, you receive thousands of robocalls from random companies and brokers. With health insurance, it is important to keep your social security number and date of birth private when speaking to anybody you are not familiar with. I have seen hundreds of people lose their health insurance because, either a past agent, or some random broker, accessed their marketplace account and switched plans. Some find out their insurance was cancelled while on a doctor's visit or purchasing prescription drugs.
By providing your personal information on unsecured websites, you are opening yourself up to hackers who can use that information to steal your identity or access your financial accounts. Additionally, submitting your information on multiple websites can lead to confusion over which websites actually have your personal data. Instead of risking your privacy and security, it is best to submit your information only on websites that you trust.
Check for valid license numbers (national and state)
Health Insurance brokers are a valuable resource when it comes to finding affordable health coverage, but it's important to make sure their license is valid before working with them. Ask the broker for their license number (NPN and state) and check to make sure it's valid on the Department of Insurance website. This will help ensure that you're working with a qualified and licensed professional.
Ask about the company's privacy policy
When considering any health insurance broker, be sure to ask about their privacy policy and find out how your information will be used. Some brokers may sell your information to other companies, which could lead to spam or unwanted calls. Make sure you understand how your information will be used before providing any personal details.
Understand all terms and conditions
It's important to understand all of the terms and conditions before signing anything when working with a health insurance broker. This will help ensure that you're aware of what you're in agreement with and won't be surprised by any hidden fees or charges. If you have any questions, be sure to ask the broker before signing anything.
Be aware of scams
When working with a health insurance broker, it's important to be aware of scams. Some brokers may try to pressure you into making a decision before you're ready, or may try to sell you a policy that isn't right for you. If you feel pressured or uncomfortable, be sure to walk away and find a more reputable broker.
Take your time when researching health insurance brokers and don't let anyone rush you into making a decision. Make sure you understand the terms and conditions of any agreement before signing anything, and be sure to ask questions if you have them. By following these tips, you can protect your information and find the best health insurance policy for your needs.