Pennsylvania Officials Warn Residents of Holiday Scams

HARRISBURG, PA — As the holiday season approaches, officials in Pennsylvania are urging residents to remain vigilant against a surge in scams targeting consumers. The Pennsylvania Insurance Department and the Department of Banking and Securities have issued a joint advisory, highlighting that fraudulent schemes often increase during this time, particularly coinciding with health insurance open enrollment.

Officials stress that awareness is the best defense against these fraudulent activities, which can lead to significant financial losses. Michael Humphreys, Pennsylvania’s Insurance Commissioner, emphasizes the importance of being cautious. “Scammers thrive on confusion, pressure, and emotional tactics,” he stated. “Consumers should never feel rushed into making quick decisions or sharing personal information over the phone, email, or text.”

Types of Scams and Prevention Tips

Insurance fraud manifests in various forms, including staged accidents, inflated claims, fake policies, and impersonators posing as government officials. Increasingly sophisticated fake health insurance marketplaces are emerging, aiming to collect payment details and personal information from unsuspecting victims. Officials remind residents that Pennie, Pennsylvania’s official health insurance marketplace, is the only legitimate source for financial assistance and can be accessed at pennie.com or by calling 1-844-844-8040.

To protect themselves, officials recommend that residents reject unsolicited sales calls, scrutinize unexpected offers, and verify the legitimacy of any organization through pa.gov/insurance. Keeping detailed records and avoiding hasty decisions that promise “last-chance deals” are also crucial steps in preventing fraud.

According to Wendy Spicher, Secretary of the Department of Banking and Securities, the sophistication of fraud attempts is escalating. “It is critical to remain informed and alert,” she said. “Shining a spotlight on simple tips can help consumers safeguard themselves daily.”

Steps to Secure Personal Information

State officials advise Pennsylvanians to enhance their online security by strengthening passwords, shredding sensitive documents, and limiting the identification they carry. Keeping antivirus software updated and monitoring credit reports for suspicious activity are also essential practices. Freezing credit files is recommended as a safeguard against unauthorized account openings.

Residents who suspect they have been targeted by a health insurance scam can contact the Pennsylvania Office of Attorney General’s Health Care Section at 1-877-888-4877. For broader financial or consumer-related concerns, individuals can reach out via 1-866-COMPLAINT, visit pa.gov/consumer, or email [email protected]. More information on fraud prevention programs and events is available through the Department of Banking and Securities website at pa.gov/dobs.

As the holiday season unfolds, remaining alert and informed is vital to protecting oneself against these rising threats.