Medical Identity Theft or Identity Fraud: Can You Afford the Results?
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1 Medical Identity Theft or Identity Fraud: Can You Afford the Results? Linda Vincent, RN, PI Principal Vincent & Associates The Identity Advocate San Pedro, California The opinions expressed in this presentation are those of the speaker. The International Society and International Foundation disclaim responsibility for views expressed and statements made by the program speakers. Vincent & Associates. Reprints available by permission 16C-1
2 PRESENTATION TITLE GOES HERE [EDIT IN HEADER & FOOTER SECTION (APPLY TO ALL)] Goals What are the primary types of Medical and Identity theft How it happens-why critical information is stolen Why you should be concerned What to do to prevent and protect you and your employees identity, medical identity What to do when it happens 16C-2
3 Identity Theft a Growing Industry 1 in 4 lose their identity-2012-increase 13% 11.6 million victims 1 in 8 lose their medical identity 1 in 10 people affected by Data Breach Fastest growing white collar crime Now more than drug or prostitution Identity theft now occurs every 2 seconds Identity recovery hours 16C-3
4 What Criminals Steal Names, addresses, date of birth Employment or healthcare information Social Security numbers Drivers license or credit cards 16C-4
5 Who Steals Your Information? Relatives/friends Organized crime rings Corrupt healthcare workers Mail thieves Cyber Thieves=Hackers=Data Breaches 16C-5
6 How Identity is Stolen Dumpster diving Mail theft Check washing Stolen wallets Telephone and Scams Obtaining deceased people s information 16C-6
7 The Price of Identity Social Security Number Street value $1.00 Medical Identity Information Street value $50.00 Kitz available online criminal bazaars for $1,200 plus. Include a valid health insurance card A supporting photo I.D Possibly a credit card 16C-7
8 First Group Most Vulnerable The Elderly Boomers are very credit worthy Own children often take their ID for financial reasons Less social media savvy Fall prey to online and door to door scams Grandchildren scam 16C-8
9 Second Most Vulnerable Children Clean slate Easier to get credit Watch if credit card aps come in mail Sign them up for creditkarma.com Kids DO NOT need SSN for school... don t give it to them Teach children what to share Be aware of Facebook... and shares 16C-9
10 Third Most Vulnerable The Dead Scammers watch obituaries Death registry with social security is always behind Proceed through permanent optoutprescreen.com Lastly do not write an obituary with all important dates of life In 2011, CMS paid $23 million to more than 17,000 deceased Medicare members 16C-10
11 Fourth Most Vulnerable Veterans Away from home for long periods of time Good health care coverage Experienced one of country s largest data thefts 16C-11
12 Fifth Most Vulnerable Movie Stars/Sports Figures Seems to happen for the rush Good health care Frequently imposters look like sports figure aren t asked to ID 16C-12
13 Last Group Those who post to social media From phone... while away From ipads... I'm at Starbucks Birthday parties of children Geo-tagging from Facebook and other social sites 16C-13
14 What Is Medical Identity Theft? Stolen or shared Member information Improper or Fictitious beneficiaries Stolen Physician information Healthcare ID cards compromised or shared HealthCare Data Breaches 16C-14
15 Why Medical ID Theft Occurs Numbers of active workers vs number of retirees Higher premium share, deductibles, treatment co-pays High unemployment Changing benefits Confusion/controversy over ACA Security of the Navigators in HCR 16C-15
16 Who Steals your Medical Identity Dishonest patients Dishonest providers (individuals or institutions) Professional criminals/bogus providers Hackers Other parties to the system Dishonest billing services Dishonest payer employees Non-practitioner ring participants Attorneys Recruiters/ cappers 16C-16
17 Latest Ponemon Survey Of 80 healthcare organizations 52% had one or more incidents of medical identity theft over the past 12 months. Statistics (from IDTRC) as of July 1, 2014 there have been 381 breaches exposing 10,900,850 records Data Breaches average 416 days to detect Breaches often reported by 3 rd party 16C-17
18 Medical Identity Theft the Impact Death Medical records in shambles Physical harm Credit issues Employment issues On the hook for $22,000 Recovery and dispute resolution taking more than a year 16C-18
19 Medical Identity Fraud By the Numbers About 5.8% of ID theft crimes are Medical ID Theft 1.5 million victims 94% of providers have HC information breeches Patient or health plan information Affected over 6 million Americans Estimated costs to HC industry $7 billion (Ponemon Institute) Scary statistics Only 1 in 700 identity thieves arrested 16C-19
20 Medical ID Theft Statistics The amount victims pay each to resolve cases. More than half say they had to pay for medical care they didn't receive in order to restore health coverage. Nearly half of victims also lost health coverage due to the fraud, and nearly one-third said their health premiums rose after they were victimized $20,000 The percentage of medical fraud victims who say their incidents were completely resolved. <10 Americans who have been victimized by medical identity theft 1.5 million Percent of Americans age carry their Social Security card in their wallet, putting them at risk for medical identity theft 36% Percent of Americans age 50 and over do the same 43% Source: Employee Benefit News, December 2011 Data Source: 16C-20
21 Data Breaches 94% of providers have HC information breeches Patient or health plan information Affects 1.5 million Americans Medical ID theft occurs in 24% of breaches Common stolen health care laptop Hacking because hacker can 16C-21
22 Top Data Breaches Adobe breach rated the largest ever, leaking 152 million records Target breach, in at number 5 exposing 110 million records Pinterest API in March responsible for 70 million records lost 16C-22
23 Top Healthcare Data Breaches Tricare 4,901,432 pts loss of backup tapes Health Net 1,9000,000 unknown reason AVMed, Inc 1,220,000 laptop theft Blue Shield TN 1,023,209 hard drive theft 16C-23
24 Top 3 Medical Data Breaches in 2013 Advocate Medical Group People Affected: 4,029,530 AHMC Healthcare, CA People Affected: 729,000 Texas Health Harris Methodist Hospital Fort Worth People Affected: 277,014 16C-24
25 Cyber Crime According to the 4th Annual Cost of Cyber Crime Study: $11.6 million: The average cost of a cyber attack 122: The number of success attacks per week 26 %: The increase in cyber attacks in one year 16C-25
26 Other Cyber Issues Protecting your mobile devices What are the choices What using the cloud can mean Hijacking Ransom (Cyptolocker) Hacking as a whole Norton's newest report claims 70% of the year-old Internet users they spoke with have been victims of online fraud. Do you offer protection for and within your business 256 bit encryption Cloud storage 16C-26
27 5 Cyber Solutions Add Keepass or Lastpass to tablets or Add Lookout or Avast to cell phones or Add Ccleaner to computer and laptops Use Malwarebytes for key logger detection Consider paid VPN for and online communication 16C-27
28 First Steps to Prevent Identity Theft SHRED EVERYTHING! Review credit reports 1x/yr each agency Sign up for CreditKarma free monitoring Place a fraud alert on credit bureaus Place a credit freeze with each credit bureau Can mean unfreezing at later date Use gel pens Make a copy of contents of your wallet Never put your social security number on your checks, or carry it 16C-28
29 7 Ways to Avoid Medical Identity Theft Always check EOBs (explanation of benefits) Request/review/ annual benefits paid from insurer Keep your own copies of all your health records Eliminate SSN and total DoBs from records Never share your health insurance card Shred all medical documents Never partake of free medical care Don t throw away prescription bottles with name and info on it. Report and replace lost/stolen insurance cards 16C-29
30 6 Things to do When it Happens to YOU Call 877-ID-Theft ( ) FTC Call Police file a police report Put a fraud alert on your credit report-then freeze it Get a copy of your credit reports Call your bank Cancel credit cards 16C-30
31 Opt Out of Pre-Approved Credit Cards or Junk Mail Call Visit Mail Preference Service Direct Marketing Association P.O. Box 643, Carmel, NY C-31
32 Individual Credit Agencies Equifax Ordering single credit report Experian Also Transunion Also fraud alerts Social Security Administration Federal Trade Commission IRS Theft Hotline at C-32
33 Handy Web Sites C-33
34 Resources C-34
35 Questions 16C-35
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