Insurance scams to watch for
Common scam patterns, how to spot them, and where to report fraud. Educational only — never legal advice.
Spot the pattern
Urgency, threats, and unusual payment methods (gift cards, wire, crypto) are the strongest signals you are talking to a scammer.
Verify, then act
Hang up. Call the number on the back of your insurance card or your state department of insurance to confirm anything urgent.
Report it
Report fraud to your state department of insurance and to the federal consumer protection agencies.
Scam-watch guides
Quick answers
How can I tell if an insurance call is a scam?
How can I tell if an insurance call is a scam?
Scammers commonly impersonate "Medicare", "the IRS", or your existing insurer to pressure you into paying or sharing personal data. Red flags: urgency ("act today or you'll lose coverage"), demands for payment by gift card or wire, threats of arrest, or unsolicited calls offering a "limited-time discount". Real insurers communicate by mail and through your existing portal first. When in doubt, hang up and call the number on the back of your card.
Suspect you have been targeted?
Contact your state department of insurance to report fraud — they license insurers and accept consumer complaints. The FTC and CFPB also collect federal-level reports about insurance and financial scams.