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Another different prescription fraud problem

caribbean

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Reading the other poster’s problem with prescription fraud made me decide to ask Tugger’s help on my situation.

My husband’s ex-wife has committed prescription fraud for at least two years. They were divorced in 1999 and she was removed from his healthcare coverage in 2000. She still uses her married name. We married in 2003 and I was added to his healthcare plan at that time. I retained my maiden name.

In the spring of 2004 I was pulling prescription records off the Medco website to document for taxes and noticed that the ex was having prescriptions paid off his health coverage. I do not know how long this had been happening because the records did not go back past Jan 2004 when his employer switched to Medco. We tried talking & writing to Aetna, Eckard, Medco, and his employer in an attempt to get this stopped. Everyone pointed the finger at someone else as responsible and no-one took any action. We were finally able to get the individual pharmacist at the Eckard store to mark her file and discontinue filling her prescriptions through his health plan. Only to have her switch to CVS two weeks later. Calls to CVS did nothing. The pharmacist at CVS said as long as Medco paid the claim, they didn’t care. This went on for almost 2 years until such time as an auditor contacted us to ask ME to prove I was married to David. They finally cut her off.

She was filing as wife using my husband’s SSN. I do not know if she was using my name or her’s. I had been concerned about the possible effect that the long list of her drugs might have on MY medical insurance record if they were reported to the Medical Information Bureau. She has severe medical problems and if reported in my name, it could affect my ability to get insurance coverage. She does have her own medical coverage, which includes prescriptions, but I suspect that her co-pay is higher on her own policy. Her drug tab paid by Medco over the 2 years was well over $8000.

We tried repeatedly to get it stopped, but no-one seemed concerned. I had not thought about it being considered identity theft, but maybe this is a form of such. I was concerned with the insurance fraud. I even spoke to a lawyer about possibly filing against her, but he said unless I could prove that her actions had indeed kept me from getting insurance or had made me pay a higher premium, I really had no case, that I had to have actual losses in order to win a judgment.

Any ideas or suggestions on what action I might take on this matter. Should I report her to the State (FL) Insurance Bureau?? What action can I take??

Thanks,
 

sfwilshire

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It's no wonder medical costs are so high when the insurance companies can't even be bothered to investigate such a straight forward case of fraud. It's especially surprising when she has other insurance. Any hint of another insurance policy always brings on a lengthy form I have to fill out and return to our insurance company. When DD22 aged off our policy, the next claim for another kid triggered the form. DS9, who is disabled, causes us to get forms frequently. I guess they assume he is on some sort of government aid.

Unless she is using your name or SSN, I wouldn't be too concerned about it affecting your records.

You might contact the local authorities to see if they are interested in the fact that she is posing as his wife for fraudulant purposes.

Sheila
 

Mosca

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Wouldn't the obvious loss be to your lifetime cap on benefits, being reduced by $8000? Because when you're nearing that limit would be a really, really bad time to have it tied up in court; or, if she passed away, you couldn't sue her for that loss.

I'd think it would be Medco who was defrauded, btw, and they would be the ones to go after her for insurance fraud.
 

caribbean

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I was really astounded that we couldn't get anyone to take an interest, especially his employer since basically they are self-insured. I tend to think that is why Aetna and Medco really didn't care. The money was not really coming out of their pocket.
 

Rose Pink

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Wouldn't the obvious loss be to your lifetime cap on benefits, being reduced by $8000? ....

That's what occured to me, too.
 

sfwilshire

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Lifetime cap on benefits? Never heard of that except for mental illness or the like.

Do I need to go read the fine print in my insurance policy?

Sheila
 

Rose Pink

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Lifetime cap on benefits? Never heard of that except for mental illness or the like.

Do I need to go read the fine print in my insurance policy?

Sheila

Yes. You may not have a cap but many of them have lifetime caps of around a million dollars. May sound like a lot but consider a catastrophic and long-term illness.
 

Fern Modena

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A million dollars isn't that much if you've been very ill. Jerry hit close to that in one year in 2004. Luckily our maximum is two million, and he now has Medicare...

Fern

Yes. You may not have a cap but many of them have lifetime caps of around a million dollars. May sound like a lot but consider a catastrophic and long-term illness.
 

Jim C

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What you need to do

Patty, Here's what you need to do:

1. Contact the Florida Insurance Dept, Frauds Bureau-explain as much as you can. They SHOULD(hopefully) open a case and, maybe, report it to the National Insurance Crimes Bureau. You may be able to do this on line. If you do, be sure to follow up with a call if you don't hear from them within a week.

2. Also contact the insurance companies involved and speak to someone in their Special Investigation Units. Most, not all, of these investigators are retired police investigators/detectives and like these types of cases (I know I did). By the way, they are required to notify both the state insurance fraud bureau as well as the National Insurance Crimes Bureau. Again, you can do this on line, but make sure you don't wait more than a week for them to get back to you.

3. Be prepared to provide the agencies in 1 & 2 above with copies of whatever documentation you may have. Be sure to retain the originals if you have them. If not, keep a copy of everything you submit. Don't send anything until requested to do so.

4. Have your physician help you in determining what, if any, erroneous information may be filed with medical information data bases.

5. By the way what you have isn't really prescription fraud, it's several counts of insurance fraud which could rise to a felony level depending on the amounts involved and Florida statutes. Using your husband's SSN was a big no,no. Has to be a felony-probably on both a state and federal level.

Anyway, best of luck. Hope this helped you.
 

caribbean

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Jim C-

THANKS !!! Will definitely follow through on this. I just didn't know where to turn. Are you saying that every prescription she had filled is one count? If so there are 179 counts of fraud? WOW. This is going to be fun, I only wish I couldsee her face.

Thanks,
 

Jim C

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I was thinking of the total dollar amounts paid by the insurers as well as the number of actual individual offenses. The number of counts or charges would depend on the Florida law regarding forgery, insurance fraud and associated offenses and how the ex-wife is actually charged; if she is. Good luck.
 
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