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Insurance Fraud

Insurance fraud is believed to be the second largest white-collar crime in the United States. Insurance fraud is often mistaken for a victimless crime, but it affects everyone by making insurance premiums more expensive.

Fighting Back
Our parent company, Universal American, is helping the fight against health care fraud by increasing awareness of the problem among consumers and employees.

Universal American fully supports the prosecution of health care providers, agents, policy owners, employees, and other groups or individuals who defraud our nation's health care system and insurance companies. Our company aggressively investigates fraud and cooperates with law enforcement officials in prosecution efforts.

Fraud Types

Disability Insurance Fraud involves misrepresentation of a disability or a pre-existing medical condition*; it may also involve a claimant having secondary employment while he or she collects disability payments.

Health Insurance Fraud involves altered or fabricated medical bills, and excessive or unnecessary treatment.

Provider Fraud involves billing for services not rendered, or falsifying claim forms for claimants to receive benefits to which they are not entitled.

Life Insurance Fraud may involve an insured person who misrepresents his or her medical history or identity at the time of application or creates false claims.

How You Can Help Fight Fraud
If you have reason to suspect insurance fraud against one of our companies, we encourage you to report your knowledge or observations by contacting our Fraud Hotline at:

Phone: 1-800-853-0186
E-mail: fraud@uafc.com

All calls and e-mails are confidential and can be anonymous.

If you would like more information regarding insurance fraud, go to www.insurancefraud.org

*A pre-existing medical condition is defined as any condition for which you received medical treatment or advice, or which was diagnosed prior to the effective date of coverage.