{"id":313,"date":"2018-03-14T21:21:00","date_gmt":"2018-03-15T04:21:00","guid":{"rendered":"https:\/\/immixgroup.ca\/blog\/?p=313"},"modified":"2022-02-06T21:24:24","modified_gmt":"2022-02-07T05:24:24","slug":"march-is-fraud-prevention-month-and-you-can-help","status":"publish","type":"post","link":"https:\/\/immixgroup.ca\/blog\/2018\/03\/14\/march-is-fraud-prevention-month-and-you-can-help\/","title":{"rendered":"March is Fraud Prevention Month \u2013 and you can help!"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"313\" class=\"elementor elementor-313\" data-elementor-post-type=\"post\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-98603c5 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"98603c5\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-c91a59c\" data-id=\"c91a59c\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-3feba1f elementor-widget elementor-widget-text-editor\" data-id=\"3feba1f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"post-info\"><ul><li>By\u00a0<a href=\"https:\/\/www.immixgroup.ca\/insurance-fraud-prevention.html#\">Lindsay Davis, Vice President, Immix Group\u00a0<\/a>\/ March 14, 2018<\/li><\/ul><\/div><p>Benefits fraud is a topic that just keeps trending. There&#8217;s good reason for that. Fraud is a huge problem within the world of benefits. It impacts everyone \u2013 and it hurts everyone.<\/p><p>Benefits fraud is insidious. It takes all forms. Plan members, plan sponsors and service providers: All have been complicit in acts of fraud.<\/p><p>The financial impact is significant. While estimates range, industry experts&#8217; best guess is that two to 10% of healthcare dollars \u2013 that&#8217;s up to $12 billion per year \u2013 are lost to fraud. This is money that could pay for a lot of legitimate, much-needed expenses!<\/p><p>Two of the most common complaints we hear from employees are about:<br \/>1) the <a href=\"https:\/\/immixgroup.ca\/blog\/index.php\/2021\/04\/20\/renewing-employee-benefits-in-2021-here-are-things-to-know-going-forward-to-keep-costs-down\/\">cost of their benefits<\/a><br \/>2) what their plan doesn&#8217;t cover.<\/p><p>The irony is that, the more a plan covers, the more it costs. And, when fraud sucks away valuable healthcare dollars, it directly impacts the quality of the coverage that can be provided to members.<\/p><p>The bottom line is this. A <a href=\"https:\/\/immixgroup.ca\/blog\/index.php\/2021\/01\/15\/the-best-time-to-review-your-benefits-program-is-now\/\">benefits program<\/a> needs to be financially viable \u2013 and benefits fraud is a massive drain on the precious resource of healthcare dollars.<\/p><p>\u00a0<\/p><h3>What you can do as a plan member to fight fraud<\/h3><ol><li><p><em>Double check each of your claims<\/em>, especially if you did not personally submit the claim. You can check your claims history online. With most carriers, you can check right from a mobile application.<\/p><\/li><li><p><em>Make sure that each claim is genuinely your claim<\/em>. A common way providers commit fraud is by submitting a claim on your behalf for a service that was never performed, or for a claim in excess of what was provided.<\/p><\/li><li><p><em>No question direct claiming is convenient, but\u2026<\/em>\u00a0Direct claiming means the provider offices have access to your benefits program details. While we like to trust our dentists, physio clinics and optometrists, the unpleasant reality is that some of these providers are the very ones committing the frauds. Keep your benefits information confidential to the greatest extent possible. Never sign blank claim forms.<\/p><\/li><li><p><em>If you do get audited on a claim, don&#8217;t be offended!<\/em>\u00a0Auditing is an important part of ensuring claims&#8217; accuracy.<\/p><\/li><li><p><em>Lastly, don&#8217;t \u201caccidentally\u201d commit fraud!<\/em>\u00a0Maybe you think you&#8217;re just getting a good deal. For example, you have the chance to get sunglasses instead of prescription glasses through your <a href=\"https:\/\/immixgroup.ca\/blog\/index.php\/2022\/06\/14\/health-benefits-quote\/\">benefits plan<\/a>. Think again. Not only will this inaccurate reporting impact the financial viability of your program; it will be fraud. You could be charged with a crime you never intended to commit.<\/p><\/li><\/ol><p>\u00a0<\/p><h3>Real-life stories of fraud<\/h3><p>We recently learned of a <a href=\"https:\/\/immixgroup.ca\/blog\/index.php\/2021\/10\/29\/top-8-faqs-for-business-owners-when-implementing-an-employee-benefits-plan\/\">plan member who noticed that his Vision Care benefit<\/a> (\\$200 per person every two years) was used up for all five members of his family. Knowing his family members had not all made claims, he looked into this \u2013 and discovered the provider had submitted false claims to the insurance company.<\/p><p>The provider was paid $1,000 ($200 x five family members) by \u201cclaiming\u201d for eyeglasses, contact lenses and eye exams that the family had never purchased!<\/p><p>How did this happen? The provider had the plan information on hand based on a previous visit by one of the children for an eye exam.<\/p><p>Because of this fraud by the provider, the benefits program incurred \\$1,000 in claims \u2013 adversely affecting the cost to the <a href=\"https:\/\/immixgroup.ca\/blog\/index.php\/2021\/11\/17\/3-action-steps-employers-can-take-to-reduce-employee-financial-stress-and-increase-financial-literacy\/\">employer and ultimately the employee<\/a>. Furthermore, this benefit then appeared to be \u2018used up&#8217; for the member and his family. If they had needed to make a real Vision Care claim, it would have been rejected.<\/p><p>\u00a0<\/p><p><strong>Here&#8217;s another true story.<\/strong><\/p><p>We learned of an employee in a dental office who was entitled to free dental services. Despite this, she submitted claims for herself, utilizing her employer&#8217;s access to the direct claiming system, under her partner&#8217;s benefit program. The system accepted the claims (the insurance coverage was valid), not knowing the member had never paid for any of the services.<\/p><p>Her defence? \u201cI am covered for a benefit I don&#8217;t need\u2026so therefore should be able to receive a payment back to make up for the cost of our premiums.\u201d<\/p><p>Nope. You committed fraud.<\/p><p>\u00a0<\/p><h3>Help us and help consumers. Report fraud!<\/h3><p>Through their online and mobile applications, insurers provide tools to show how much you&#8217;ve claimed, along with the details of your claims. These tools are not just for your convenience. They help ensure the accuracy of the claims going through under your name.<\/p><p>The following is essential: If you notice something strange, something off, something not quite right in your claim records \u2013 report it\u00a0<em>at once<\/em>\u00a0to your HR, or directly to the insurance carrier.<\/p><h3>\u00a0<\/h3><h3>Further reading<\/h3><p><a href=\"https:\/\/www.clhia.ca\/\" target=\"_blank\" rel=\"noopener\"><strong>Canadian Life and Health Insurance Association<\/strong><\/a><strong>\u00a0<\/strong>(CLHIA) tips:<br \/><a href=\"https:\/\/www.clhia.ca\/domino\/html\/clhia\/CLHIA_LP4W_LND_Webstation.nsf\/0\/10D0B370160E723B85257F03005BD980?OpenDocument\" target=\"_blank\" rel=\"noopener\">https:\/\/www.clhia.ca\/domino\/html\/clhia\/CLHIA_LP4W_LND_Webstation.nsf\/0\/10D0B370160E723B85257F03005BD980?OpenDocument<\/a><\/p><p>Pacific Blue Cross (PBC) Whistleblower hotline:\u00a0<br \/><a href=\"http:\/\/www.confidenceline.net\/pacific-blue-cross\/\" target=\"_blank\" rel=\"noopener\">http:\/\/www.confidenceline.net\/pacific-blue-cross\/<\/a><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-86737a6 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"86737a6\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-4bd4d65\" data-id=\"4bd4d65\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-396ce2c elementor-widget elementor-widget-global elementor-global-227 elementor-widget-text-editor\" data-id=\"396ce2c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<script src=\"https:\/\/apps.elfsight.com\/p\/platform.js\" defer><\/script>\n<div class=\"elfsight-app-83f14fdc-92b5-4456-9af4-0934ad166639\"><\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-f3f0208 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"f3f0208\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-top-column elementor-element elementor-element-e579925\" data-id=\"e579925\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-9ddd7ba elementor-widget elementor-widget-global elementor-global-230 elementor-widget-image\" data-id=\"9ddd7ba\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"640\" height=\"960\" src=\"https:\/\/immixgroup.ca\/blog\/wp-content\/uploads\/2026\/03\/260114-259xx-683x1024.avif\" class=\"attachment-large size-large wp-image-1957\" alt=\"Lindsay Byrka\" srcset=\"https:\/\/immixgroup.ca\/blog\/wp-content\/uploads\/2026\/03\/260114-259xx-683x1024.avif 683w, https:\/\/immixgroup.ca\/blog\/wp-content\/uploads\/2026\/03\/260114-259xx-200x300.avif 200w, https:\/\/immixgroup.ca\/blog\/wp-content\/uploads\/2026\/03\/260114-259xx-768x1152.avif 768w, https:\/\/immixgroup.ca\/blog\/wp-content\/uploads\/2026\/03\/260114-259xx.avif 1000w\" sizes=\"(max-width: 640px) 100vw, 640px\" title=\"\">\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-66 elementor-top-column elementor-element elementor-element-d30f518\" data-id=\"d30f518\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-6a5b02c elementor-widget elementor-widget-global elementor-global-233 elementor-widget-text-editor\" data-id=\"6a5b02c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h3><span class=\"cert\"><a id=\"ember1416\" class=\"active ember-view pv-verified-info-modal__vieweetitle\" href=\"https:\/\/www.linkedin.com\/in\/lindsaybyrka\/?lipi=urn%3Ali%3Apage%3Ad_flagship3_profile_verification_details%3B%2BiISPezIQvaydOw%2F7NcoTA%3D%3D\" data-ntt-old-href=\"\/in\/lindsaybyrka\/\" data-artdeco-is-focused=\"true\" target=\"_blank\" rel=\"noopener\">Lindsay Byrka, CFP\u00ae<\/a> BA, BEd<\/span><\/h3><p>Vice President, Immix Group: An Employee Benefits Company<br \/><strong>A<\/strong>\u00a0<a href=\"https:\/\/www.google.com\/maps\/embed?pb=!1m18!1m12!1m3!1d2602.5699178039927!2d-123.12053598382099!3d49.28454617855886!2m3!1f0!2f0!3f0!3m2!1i1024!2i768!4f13.1!3m3!1m2!1s0x54867181f97930d5%3A0x9797e526e8704198!2s888%20Dunsmuir%20St%20%23450%2C%20Vancouver%2C%20BC%20V6C%203K4!5e0!3m2!1sen!2sca!4v1583124389424!5m2!1sen!2sca\" target=\"new\" rel=\"noopener\">Suite 450 &#8211; 888 Dunsmuir St. Vancouver V6C 3K4<\/a><br \/><strong>O<\/strong>\u00a0 <a href=\"tel:6046885262\">604-688-5262<\/a><strong>\u00a0<\/strong><\/p><p><strong>E<\/strong>\u00a0<a href=\"mailto:lindsay@immixgroup.ca\">lindsay@immixgroup.ca<\/a><br \/><strong>W<\/strong>\u00a0<a href=\"http:\/\/www.immixgroup.ca\/\">www.immixgroup.ca<\/a><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>By\u00a0Lindsay Davis, Vice President, Immix Group\u00a0\/ March 14, 2018 Benefits fraud is a topic that just keeps trending. There\u2019s good reason for that. Fraud is a huge problem within the world of benefits. It impacts everyone \u2013 and it hurts everyone. Benefits fraud is insidious. It takes all forms. Plan members, plan sponsors and service [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":107,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[11],"tags":[],"class_list":["post-313","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-health-benefits-fraud"],"_links":{"self":[{"href":"https:\/\/immixgroup.ca\/blog\/wp-json\/wp\/v2\/posts\/313","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/immixgroup.ca\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/immixgroup.ca\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/immixgroup.ca\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/immixgroup.ca\/blog\/wp-json\/wp\/v2\/comments?post=313"}],"version-history":[{"count":14,"href":"https:\/\/immixgroup.ca\/blog\/wp-json\/wp\/v2\/posts\/313\/revisions"}],"predecessor-version":[{"id":321,"href":"https:\/\/immixgroup.ca\/blog\/wp-json\/wp\/v2\/posts\/313\/revisions\/321"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/immixgroup.ca\/blog\/wp-json\/wp\/v2\/media\/107"}],"wp:attachment":[{"href":"https:\/\/immixgroup.ca\/blog\/wp-json\/wp\/v2\/media?parent=313"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/immixgroup.ca\/blog\/wp-json\/wp\/v2\/categories?post=313"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/immixgroup.ca\/blog\/wp-json\/wp\/v2\/tags?post=313"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}