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MEDICAL IDENTITY THEFT CAN

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here was a time in my life — ok, I’ll admit it: it was last week — when I thought medical identity theft was a real yawner. For starters, what are the odds my info would be hacked? A billion to one? And even if it was, who cares if somebody knows I had a sinus infection two years ago? That was then. This is now. Between then and now I had a conversation with Eva Velasquez, president and CEO of the San Diego-based Identity Theft Resource Center, a nonprofit organization dedicated to providing free assistance to identity theft victims. In seconds flat she convinced me of the error of my ways, painting a worst-case scenario that, unfortunately, is not hypothetical. “Let’s say your identity is compromised, and someone has your Social Security number (SSN). Using that information they can virtually impersonate you — and your children. Since children have ‘clean’ SSNs, they are perfect for setting up all kinds of accounts — food stamps, tax refunds, credit cards, welfare. Knowing your address, they can avoid Georgia and open accounts in California or West Virginia. “Or, they can do it locally. If your medical records show you go to hospital A and pharmacy A, they’ll go to hospital B and pharmacy B to minimize their risk of being discovered.” The thief could be getting all kinds of prescriptions in your name and then selling them on the street. Think about it for a moment: what is the spending limit on your credit cards? Five thousand dollars? Ten thousand? But your health insurance limits could easily be ten times or a hundred times higher than that. No wonder medical identity theft is so attractive to thieves. All of this is illegal and fraudulent, of course. And it is often being done with those universal identifiers better known as social security numbers. Eventually someone will recognize that a crime is being committed. And that someone might not be you. You could be on a TSA watch list, or a warrant could be issued for your arrest without your knowledge. “You get stopped for speeding or

MARCH 20, 2015

some minor traffic violation,” says Velasquez, they run your name and the next thing you know, you’re in handcuffs. But being handcuffed is a long way from dying, right? Being handcuffed is not a worstcase scenario. How can medical identity theft turn deadly? It’s an amazingly short path between fraudulent and fatal. The person who is impersonating your medical identity, just like you, has a medical history. It can include medical procedures they’ve had, medications they’re currently taking, and drugs they’re allergic to. Let’s say you end up in the emergency room after a traffic mishap. You’ve been there before, so there are electronic records about you. Neither you nor the hospital knows it right now, but someone else’s medical Dos and Don’ts are intermingled with yours. You desperately need a drug that, according to the file, you’re allergic to. And maybe the drug you really are allergic to is no longer listed and you’re about to get it. Or the records say you’re taking a drug that will have dangerous interactions with another drug they want to administer, so they can’t give it. They give you a blood transfusion, but because of the compromised file, it isn’t your blood type. Assuming you survive the ordeal and aren’t taken to either the morgue or jail, correcting your incorrect medical records can be an extremely difficult task, and the reason is just five letters long: HIPAA. Very few people seem to correctly know what those letters actually stand for (Health Insurance Portability and Accountability Act), but everyone knows the gist of it: patient privacy protection. As countless medical ID theft victims have discovered, neither your doctor nor your dentist or hospital or insurance company knows for sure whose information in your mixed medical records is whose. In the process of sorting it all out, they don’t want to inadvertently give you the thief’s medical info. That would be a HIPAA violation. And for all they know, you’re the thief. But how do you know if you’ve been hacked in the first place? An ER visit (or any doctor visit) Please see ID THEFT page 2

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Mar20 15 by Daniel Pearson - Issuu