Message 4 of 15
Phone call you placedYou dial the member services number printed on the back of your insurance card to ask about a claim. The representative says: “Before I open your account, please confirm your date of birth and member ID.”
Legitimate, a scam, or impossible to tell?
Correct. Not quite. The request is the same one a scammer would make. What differs is who started the call. You dialed a number you took from your own card, so you know who is on the line, and privacy rules require the plan to confirm who you are before discussing your account. The same question from someone who called you proves nothing. Who initiated the contact is the single most useful test in this quiz.
More: The 60-Second Rule That Stops Health Insurance Scammers in Their Tracks