Fraud Awareness Alerts are issued by the Medicare Drug Integrity Contractor (MEDIC) as part of CMS's efforts to combat Medicare fraud, waste and abuse, and explain the latest fraud schemes and how to report suspected fraud.
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Health care fraud, a national problem that costs the health care system billions of dollars each year, can be reduced and, in some cases, even prevented through heightened awareness of what constitutes fraudulent conduct. Through its corporate compliance program, CommunityCare remains committed to detecting and preventing health care fraud (which includes waste and abuse of health care resources), and to protecting you and your prescription drug plan. However, CommunityCare also needs your help to identify and prevent health care fraud.
If you suspect health care fraud, waste or abuse, please call our toll-free compliance hotline at (877) 382-9317.
As a participant in a prescription drug plan underwritten or administered by CommunityCare, there are a number of things you can do to help identify and prevent health care fraud. You should, however, first be aware of certain guidelines concerning Medicare and the unique role it plays with respect to fraud, waste and abuse. Individuals working for or with Medicare are not permitted to:
With these guidelines in mind, here are some of the more common fraudulent schemes and other practices that may give rise to fraud, waste or abuse:
A new telemarketing scam has been identified; The caller claims that the Member has not been accepted by a specific insurance company under Obamacare. They advise that Obamacare is going to put cash in their checking account for medical expenses. They ask for the last 4 digits of your Social Security Number, bank account, and routing number.CommunityCare will never contact you requesting the above information. Obamacare does not deposit funds in your bank account. Dont be a victim!
With the advent of Medicare Part D (also known as the Medicare prescription drug program), anti-fraud agencies have received a growing number of complaints concerning what has become known as the "$299 Ring." In this scam, an individual claiming to be associated with Medicare will call your home and offer to help enroll you in a prescription drug plan for a "small fee," generally $299 or $379. The caller may then ask for personal information, such as your Social Security, bank account or credit card number. If you receive such a call, do not give out any information and do not send any money. Instead, tell the caller not to contact you again and hang up the phone. Remember, legitimate Medicare representatives are not permitted to ask you for any personal information if they initiate the call and cannot solicit or take payment information over the phone.
When you obtain prescription drugs under your health plan, you should only be charged for the specific drug you have received. You should not be charged for drugs that are not listed on your physician's prescription or for any orders you never picked up. Each time you receive an Explanation of Benefits (EOB) form from CommunityCare, review the form and make sure that the prescriptions listed match those your doctor prescribed and that you actually received. If you received a generic drug, your pharmacist should not charge you for a brand name drug. In addition, except for any applicable copayment or coinsurance, your pharmacist should not bill you for a drug that is covered by your plan.
Under Medicare's prescription drug plan, your True Out-of-Pocket Costs (TrOOP) are the portion of your expenses that count toward your annual Medicare drug plan threshold (also called the "donut hole"). The amount of the threshold may change each year, and determines when a person's catastrophic prescription drug coverage starts. Only certain expenses count toward TrOOP, so if you are unsure whether or not an expense should be counted toward your TrOOP, contact one of our customer service representatives. You should not attempt to manipulate your TrOOP costs in order to bridge the coverage gap (or donut hole) and reach catastrophic coverage before you are truly eligible. This may be viewed as fraud and could lead to an investigation.
If your pharmacist is unable to fill your entire prescription at one - for example, because of a short supply - your pharmacist should inform you and make arrangements to provide you with a partial amount of the prescription, and then provide you the remainder as soon as possible at no additional expense. However, if your pharmacist intentionally provides you less than the prescribed amount without letting you know, or fails to provide you with the balance of a partially filled prescription, but bills your drug plan for the full amount, he/she may have committed fraud, and you should contact our customer service number to let us know.
If you present a single prescription form to your pharmacist, you should receive your prescription in a single order and only be billed once. Your pharmacist should also receive only one dispensing fee each time a prescription is filled or refilled. The pharmacist should not intentionally split a single prescription into two or more separately billed orders. This should not be confused with tablet splitting, which permits a pharmacist to fill a prescription at a higher dosage so that the patient can split the medication (typically a scored tablet) in half. Some plans encourage tablet splitting, when appropriate, because the patient receives a double supply of the medication for a lower out-of-pocket cost. You should call your plan to see if tablet splitting is permitted.
Coordination of benefits is the process insurers use to determine which plan pays first when a person is covered under more than one insurance plan at the same time. The coordination process is governed by state or federal law, and ensures that your health care provider is not overpaid. When using your prescription drug plan, you should always inform your doctor or pharmacist if you are covered by more than one insurance plan. This will help your provider know which plan to bill in order to comply with your coverage guidelines. You should not try to conceal information about additional coverage in order to lower the payments you personally make because this might be viewed as an attempt to commit fraud.
If you are covered by both a prescription drug plan and a separate Medicare Part B (medical insurance) plan, there may be additional issues that arise because of duplicate coverage. When you receive your Explanation of Benefits (EOB) form, you should check to ensure that your doctor or pharmacist has not billed both plans for the same prescription order. Additionally, if you pick up a prescription from your pharmacy and take the medication to an office visit for your doctor to administer, you should check your EOB to make sure your doctor has only billed your plan for the administration of the drug and not for the cost of the drug itself. In that situation, your pharmacy should be the only one charging you for the cost of the drug.
If you are covered by multiple plans and are unsure which plan should be billed in any situation, call our customer service number to be sure that you, your doctor and your pharmacist submit your claims to the appropriate plan.
In addition to the specific schemes and issues above, fraud may include:
First, treat your health insurance card with the same level of care and security given to a debit or credit card. If your insurance card, Social Security number or other personal information is ever lost or stolen, immediately report the matter to our customer service department using the phone number on your ID card. The customer service department can be reached Monday through Friday from 8 a.m. to 8 p.m.
In addition, pay close attention to all EOB forms and be sure to review them to ensure that you have been properly charged for any costs associated with your prescription drug plan. If you need help reviewing your EOBs, seek the assistance of a family member or trusted friend, or call our customer service department.
If you believe that you have been the victim of health care fraud, report the matter to CommunityCare's toll-free Compliance Hotline at (877) 382-9317. Calls to the Hotline may be made anonymously; however, if you choose to remain anonymous, CommunityCare's ability to investigate your complaint may be adversely affected. You may also report fraud by calling our customer service department or by sending a letter to CommunityCare's grievance and appeals department:
Attn.: Grievance and Appeals Coordinator
P.O. Box 3249
Tulsa, OK 74101