The data breach at Anthem is just the latest reminder that anyone can be a victim of cybercrime. Even though Anthem is offering a package of identity protection services to current and former members, you should still ask questions about how prepared your insurance company is to guard against and respond to breaches of personal information.
Here are a few things to consider:
- Will your current carrier provide credit protection if they suffer a data breach?
- Will your current carrier provide you with employee communication materials regarding a breach?
- Do you offer identity theft protection as a voluntary benefit to employees?
- If you are self-insured, are you obligated by your business associate contract to notify affected employees in the event of a breach, or is this your associate’s responsibility?
In addition, everyone should know to look out for the following signs of medical identity theft:
- Bills or claims for medical services you never received
- Letters or calls from debt collectors about medical debt you don’t owe
- Medical collection notices on your credit report that you don’t recognize
More information about medical identity theft is available to consumers from the Federal Trade Commission.