Report it, and it stops.

Last updated August 17, 2026

Fraud, waste, and abuse are three different things

Fraud is intentional deception for gain: someone knowingly submits false information to get a payment or a benefit they are not entitled to. Waste is the overuse of services and resources without intent to deceive, such as duplicate testing that nobody needed. Abuse sits between them: practices inconsistent with sound medical or business standards that end up costing the plan money.

You do not need to know which category something falls into before reporting it. Describe what you saw and let the people who investigate decide.

What it looks like

By a provider or a facility:

• Billing for a visit, test, procedure, or supply you never received.
• Billing a more expensive service than the one performed, or splitting one service into several charges.
• Submitting the same claim more than once, or waiving your copays routinely while inflating the billed amount.
• Offering cash, gift cards, or free items in exchange for your insurance or Medicare number.

By an agent or someone selling coverage:

• Enrolling you in a plan, or switching your plan, without your knowledge or consent.
• Signing your name, or entering income or household details you did not give.
• Claiming a plan covers your doctor, your hospital, or your prescriptions without checking.
• Claiming to be from Medicare, Medicaid, or a government marketplace, or pressuring you to decide immediately.

By a member:

• Letting someone else use your ID card, or using someone else's.
• Giving false income, address, household, or tobacco information on an application.
• Getting prescriptions from multiple prescribers to resell or misuse them.

Scams that use our name

Criminals impersonate insurance agencies, insurance companies, and government agencies because it works. Here is what we will never do:

• We will never ask for payment in gift cards, cryptocurrency, wire transfer, or a payment app.
• We will never call, text, or email out of the blue asking for your full Social Security number, your bank login, or a verification code someone else sent you.
• We will never ask for your Medicare number in order to send you a new card, a brace, a test kit, or any free item. Medicare does not do this either.
• We will never threaten you with losing coverage unless you act within minutes.

If a call feels wrong, hang up and call us back at (833) 741-1902, the number published on this site. Never call back a number the caller gave you. Our security practices, including what we will and will not ask for online, are on the website security program page.

Protecting yourself

• Treat your member ID, Medicare number, and Social Security number like a credit card number.
• Read every explanation of benefits your plan sends and compare it against the care you actually received. That document is the single best fraud detector you have.
• Keep a simple record of appointments, tests, and prescriptions with dates.
• Be suspicious of anything free that requires your insurance number, and of anyone who wants a decision today.
• Before you enroll, confirm the agent's name and the agency they work for, and ask for it in writing.

Reporting to us

If your report involves My Live Health, one of our agents, or someone using our name, tell us directly. Email contact@mylivehealth.com with “Fraud report” in the subject line, call (833) 741-1902, or use the contact page.

Include as much of this as you can:

• What happened, and the dates it happened.
• Names, phone numbers, or company names that were used.
• Any documents, screenshots, bills, or explanation of benefits statements that show it.
• How to reach you, if you want to be contacted about it.

You can report anonymously, though it limits what we can ask you and what we can tell you afterward. We do not retaliate against anyone for making a report in good faith, and we do not charge for any of this. Reports involving our own people are reviewed by someone who was not part of the transaction.

Reporting to the authorities

We are an insurance agency, not an investigator or a regulator. If the fraud involves your claims, your plan, or a government program, report it directly to the organization that can act on it. The cards below list the right destination for each situation. You can report to us and to them; they are not alternatives.