There
are times, when Human Rights activists spring up calling it punishments cruel
and inhuman. While it is to be admitted
that every human being is to be treated with dignity and not subject to any
form of cruelty – why not the same yardstick is applied to victims who are
battered by criminal acts ? Why no such
plea or fight for justice for old people who are killed or maimed cruelly for
money or estate ?
Insurance
frauds is a big chapter.. there are varied ways by which Insurers are cheated
and money is siphoned from the Insurers by false, bogus, inflated claims. In the United States , Medicare fraud is a
general term that refers to an individual or corporation that seeks to collect
Medicare health care reimbursement under false pretenses. The commonality of all frauds is to collect
money from the medicare programme or Insurance scheme. The looters wear many hats and not infrequently,
submit inaccurate bills. It could range from falsely creating the hospital or
hospital records when there was no hospitalization or treatment to creating or
exaggerating bills by altering, forging with or without connivance. Some would try to justify such acts speaking
of the higher rates being charged by the service providers. Even where all records are digitalized and
accessible, people would try to manipulate by entering inaccurate codes or
sections to derive illegitimate benefit.
Where most records are maintained manually and away from Public access,
manipulation becomes easier. Fraudulent
billing practices and exaggerated claims eventually end up raising the claim
costs and in turn lead to increased premium. But individuals may not bother
much as long one can still benefit at the cost of other and would not care whether
it is ethical, legal and righteous.
There could even be instances of wrong or forged prescriptions to get
the benefit of high costing medicines.
Health
insurance fraud is described as an intentional act of deceiving, concealing, or
misrepresenting information that results in health care benefits being paid to
an individual or group. Fraud can be
committed by individual policy holders and service providers in various
forms. The frauds perpetrated by policy holders would include claiming for
those who are not covered, claiming for pre-existing, claiming for
pre-incurred, altering records, international failure to report other coverage
or other benefits, and more. Frauds
committed by the Service providers could be in the nature of bogus physicians, billing for services not
rendered, billing for higher level of services, diagnosis or treatments that
are outside the scope of practice, alterations on claims submissions, and
providing services while under suspension or when license have been revoked. The
list is never complete and there could be more ways of committing fraud !!
Have
read about ‘Rh disease (also known as Rhesus isoimmunisation disease) – i.e., Rhesus incompatibility. In newborns, it is one of the causes of
hemolytic disease of the newborn (HDN). The disease ranges from mild to severe,
and typically occurs in some second or
subsequent pregnancies of Rh negative women where the fetus's father is Rh
positive,leading to a Rh+ pregnancy. During birth, the mother may be exposed to
the infant's blood, and this causes the development of antibodies, which may
affect the health of subsequent Rh+ pregnancies. Rho(D) Immune Globulin is a medicine given by
intramuscular injection that is used to prevent this immunological condition. The
medicine is a solution of IgG anti-D (anti-RhD) antibodies that bind to, and
lead to the destruction of, fetal Rh D positive red blood cells that have
passed from the fetal circulation to the maternal circulation.
Well, most of the medical terminology, disease,
their identification, and treatment are not easily understood by commoners like
us. The simplest of the things are :
Never indulge in Self medication, Go to the Doctor as immediately as you have
early symptoms, Have complete faith in the Doctor, take the medicines as
prescribed, follow the instructions given, go compulsorily for after check ups
– most likely the disease or disorder could be controlled or eliminated.
Here
is something interesting read from
Insurance Journal : - [http://www.insurancejournal.com/news/east/2012/03/19/239960.htm]
A
Richmond , Virginia ,
woman has been convicted on 35 counts of health care fraud and other charges. Federal prosecutors say a U.S. District Court
jury found 49-yar-old Veronica Sharon Cunningham guilty last Thursday after a
three-day trial.
According
to court papers, Cunningham owned and operated Community Neurological Services,
which administered intravenous immune globulin to patients suffering from
immune deficiency disorders. Cunningham was accused of regularly billing
insurance companies and the Medicare and Medicaid programs for intravenous
immune globulin not actually administered.
The jury convicted her on 26 counts of health care
fraud, eight counts of falsifying patient health care records and one count of
filing a false tax return. Cunningham faces a maximum of 303 years in prison
when she is sentenced on May 31
The
guilty needs to be punished and laws are severe in US; litigations common.
Stringent punishments most likely are to deter others from indulging in similar
crimes….
With
regards – S. Sampathkumar .
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