Have you received unexpected calls about health insurance options? according to consumer reports in the us In the US, spam calls from health insurance may be on the rise.
what are health insurance spam calls?
Health insurance spam calls are exactly what they sound like: calls made by scammers trying to persuade consumers to pay for expensive health insurance that offers little or no benefits at all. Even when the calling company is legitimate and the health insurance is real, these calls can be against the law if you did not give the caller prior consent to be contacted.
Spam calls about health insurance began to increase in October 2019. In that month alone, approximately 288 million robocalls about health insurance offers were made to consumers in the US. uu. that month was an unprecedented month for scam calls, with about 5.7 billion robocalls received by consumers across the country.
There are many types of health insurance scam calls. these people may try to charge you a fee in exchange for their help navigating the health insurance market. other callers may tell you that you need a new insurance card and that you must pay a fee to receive it or risk losing your health coverage. Although the fees they quote may seem small, their real goal may be to gain access to your credit card number or bank account information.
many scammers target people who have medicare or medical assistance. If you have been contacted by someone claiming to be in one of these programs and asking for your credit card information or social security number, you may want to contact Medicare directly to make sure these calls are real before submitting any information.
why do you get these pre-recorded calls?
many scammers send pre-recorded voice messages and an automated dialing system to reach as many consumers as possible without human intervention. Although these methods allow them to cast a wide net, they are against the terms of TCPA.
how can you stop unwanted health insurance calls?
There are several ways to avoid receiving unwanted calls from health insurance. Due to the increase in these types of intrusive robocalls, many cell phone coverage providers have started offering anti-robocalling services to customers. these services can detect potential robocalls and mark them as spam. they can also send these calls immediately to voicemail. verizon, at&t, and t-mobile offer this type of call screening service.
Even if your cellular coverage provider doesn’t offer this type of service, your phone may have built-in call blocking software. you may be able to enable this feature in your settings. Also, even if your phone doesn’t have software that can detect potential robocalls, you may still be able to block individual numbers if they repeatedly call you from the same phone number. Unfortunately, many scammers will simply start calling you from a different phone number if they think your calls are blocked.
You can also download or purchase a free or paid application to screen incoming calls and detect potentially intrusive robocalls. however, robocall blocking software is not always effective. These apps may not be able to detect all incoming robocalls or may accidentally block calls from friends or family that you want to receive. Also, apps that send automated robocalls directly to voicemail can have the unintended consequence of filling your voicemail box with fraudulent messages.
If using call blocking software doesn’t stop intrusive robocalls, you may be able to take more serious action. One way to avoid receiving unwanted calls is to register your number on the national do not call list.
You are able to register home or mobile numbers with the list, and registration does not expire. Most companies are prohibited from calling numbers registered with the list. However, scam callers may not respect the Do-Not-Call List and continue to contact people who are registered. If you continue to receive unwanted robocalls after you have been registered with the list for more than 31 days, you have the right to report these calls.
You may be able to report robocalls to the federal trade commission. The FTC is in charge of enforcing laws related to consumer privacy, including the Telephone Consumer Protection Act. While the ftc can’t track individual robocall reports, you may still be able to provide the agency with information about the types of calls you’ve received and from whom.
Do the calls violate tcpa?
Most unsolicited robocalls violate the Telephone Consumer Protection Act. the law was signed into law in 1991 in order to protect consumers from harassment by attorneys and telemarketers. As technology has evolved, the law has evolved to protect consumers from being harassed by intrusive silent voicemails and texts, in addition to unwanted calls.
Under TCPA, businesses are prohibited from contacting consumers without their prior consent, unless the call is purely informational and not intended to solicit business. Businesses may not call numbers on the Do Not Call list or continue to contact consumers who have withdrawn their consent to be contacted.
Even consumers who have consented to receive solicitation calls should have the option to opt out of being contacted at any time. additionally, attorneys are prohibited from calling after 9 p.m. or before 8 a.m. m., they are also prohibited from using automatic dialing systems to send calls or messages to hundreds or thousands of consumers at once, and they cannot use pre-recorded or robotic voices to send messages.
when should you seek legal help?
If you have been unable to prevent health insurance spam calls by signing up for a do-not-call list or installing call-blocking software on your phone, you may be eligible to speak with a qualified attorney about your remaining options.
Consumers who have been subjected to intrusive and harassing spam calls can seek compensation for these tcpa violations. consumers can be charged between $500 and $1,500 for each tcpa violation, in addition to forcing lawyers to stop contacting them.