In the current fast spaced world, business owners may often have the time to thoroughly see the companies they rely onto provide goods and services. In many cases, a dedication of product/service quality can be made at the time goods are provided or services are made. If services or goods do not meet anticipations, there is often an immediate solution available. Pertaining to example, poor quality goods can be shipped to the supplier and/or repayment for services can be withheld until services are satisfactorily rendered. Medical-Intl

Unfortunately, companies do not always purchase items which are touchable items, or in other words that they can immediately determine the caliber of the goods and/or services during purchase. One example of such a purchase is health insurance. Since medical health insurance is not usually used immediately after purchase, the quality of care or the legitimacy of the coverage might not exactly even enter play until the business owner, or a family call, actually needs to have medical therapy. This is one of the principal reasons that numerous companies, often appearing legitimate, can get away with selling fake health insurance coverage to unsuspecting business owners. 

In most cases, fraudulent health insurance policies are sold to company owners by telemarketers or “agents” through counterfeit Associations and Unions. In that, the buyer must join a professional and trade association or become an union member to are eligible for health insurance. In fact, in a report printed by the U. T. General Accountability Office (GAO) in 2004, the GAO found that association techniques ranked at the top of the marketing methods followed by bogus health insurers. According to the report, “Employers and People Are Vulnerable to Illegal or Bogus Entities Providing Coverage, between 2000 and 2002, the U. T. Department of Labor and state insurance regulators discovered 144 unauthorized entities providing health insurance unlawfully. These kinds of entities defrauded 15, 500 employers and more than 200, 000 policyholders away of $252 million. inch

However, it is vital to point out that many individual and group health insurance products are endorsed by reputable Associations, including the ARRP and the American Bar Affiliation and, many reputable Assemblage, including the AFLCIO and the Teamsters. These organizations have long been recognized for bringing a common school of professionals or individuals together for other purposes which may have very little to do with health insurance. Membership commonly includes a variety of other benefits in addition to discounted health insurance. Typically, the organizations have a governing organization, a constitution and bylaws, a set of officers, voting rights, regular membership conferences and a specialist code of conduct.

Unfortunately, most individuals do not find away that they were making hefty monthly payments or premiums to fraudulent Groups or Unions until they have a severe condition that requires medical treatment. Usually, it isn’t until after they receive treatment that they receive notice from their medical company that the claim that was submitted to the insurance company was rejected and that all the medical charges that were incurred are now their responsibility.

Frequently, the structure starts when business owners are contacted by cell phone or approached by someone who claims to symbolize a certain, official sound, Association or Union. The business owner is then informed that if s/he becomes a member of the Association or brings together the Union, s/he could are eligible for a low cost group or individual health insurance plan. Typically the Association or Union is promoted to represent a sole proprietor individuals and small business owners. The low cost medical health insurance is usually presented among the many “perks” that the business enterprise owner can define for, in addition to many other “member” benefits, like discounts on other services, such as oral, eyeglasses, office supplies, hotels, rental cars, etc.

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