Health insurance scams increase during Pennie and Medicare enrollment season, warns Attorney General.

As the fall open enrollment period for health insurance approaches, Pennsylvania’s Attorney General has issued a cautionary alert regarding potential scams targeting consumers. The enrollment window for Pennie, Pennsylvania’s health insurance marketplace under the Affordable Care Act, commenced on November 1 and will continue until January 16. Meanwhile, New Jersey’s equivalent marketplace, Get Covered NJ, remains open until January 31. Additionally, Medicare’s annual enrollment period will conclude on December 7.

The Attorney General has emphasized that scammers often exploit current events and trends to lend credence to their fraudulent schemes. Those looking to navigate health insurance options during this period are urged to exercise caution and diligence. The Attorney General’s office has provided resources for individuals who suspect they have fallen victim to scams, encouraging them to contact the Pennsylvania Office of Attorney General’s Health Care Section directly or to file a complaint online.

To help consumers navigate the complexities of health insurance enrollment and avoid falling prey to scams, several essential tips have been outlined.

Firstly, individuals are advised to be wary of websites that closely resemble official health insurance portals. Many private insurance agencies invest in search engine advertisements that leverage relevant insurance-related keywords, which can lead consumers to look-alike websites. For example, when searching for “Pennie insurance,” many results may direct users to unofficial sites that use phrases such as “Pennsylvania Health Coverage.” These sites may promote short-term or limited-liability plans that do not offer the same comprehensive coverage as those available through official marketplaces.

Consumers should also verify website URLs to ensure they are accessing the correct site. Pennie’s official website is located at Pennie.com, while New Jersey residents should visit nj.gov/getcoverednj for their insurance inquiries.

Moreover, it is crucial to recognize that private insurance websites must disclose their non-affiliation with the government. Such disclaimers are typically hidden in small print at the bottom of the pages.

In addition, individuals are reminded to avoid providing sensitive health information unless necessary. Under the Affordable Care Act, comprehensive health plans cannot adjust premiums based on pre-existing health conditions. Therefore, if a site requests health-related inquiries that could affect coverage or pricing, it may be indicative of a less reputable source.

Lastly, consumers are warned against unsolicited communication. Official health programs, such as Pennie and Medicare, do not make unrequested phone calls. It is wise to refrain from divulging personal health or financial information unless initiated by the individual.

For those navigating the health insurance landscape this fall, understanding these guidelines can help ensure a more secure enrollment experience.