Nobody wants to get a hospital bill for $44,000. But for Joe Ryan, a
Colorado pilot and owner of Rocky Mountain Biplane Adventures, it was
especially upsetting. He'd never even had surgery before, but he was being
asked to pay for it. Ryan's "medical identity" had been stolen.
When someone uses your personal information to collect money, prescription
drugs, goods, or health services, it's called medical identity theft.
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Like other versions of identity theft, it causes severe financial problems
and indescribable annoyance. But in some ways it's worse; if a thief tampers
with your medical records, your chart could have the wrong history and
Those errors can cause serious trouble when you do need medical care.
"Medical identity theft causes terrible harm, both financial and
physical," says Pam Dixon, executive director of the World Privacy Forum.
And it's becoming more common. She estimates that up to 500,000 Americans may
be victims, and many don't even know it.
After Ryan got the bill in spring 2004, he pushed for an investigation,
which revealed that an ex-con had checked into a hospital using Ryan's Social
Security number. The crook had gotten his operation without a hitch -- sticking
the real Ryan with the bill.
Some cases of medical identity theft are like Ryan's, in which someone gets
medical care using another person's name. But most involve organized crime
rings -- often with the help of corrupt health care workers and sometimes even
doctors -- that get rich using a person's medical information to file false
claims with insurance companies.
Dixon says that criminals even set up fake clinics, or buy real ones, as a
cover. Victims may not know it's happened until they are denied coverage for a
pre-existing medical condition that they don't have.
"It's very lucrative," Dixon says. Done over six months to a year,
it can net $1 million to $2 million -- which makes credit card theft look like
And now that medical records are going electronic, stealing them is getting
"Before, you couldn't steal a million paper files from a hospital,"
she says. "Now you can walk out with a million digital files on your
More than two years later, Ryan remains frustrated. "I still can't get
my medical records straightened out," he says. And he has the emotional
scars to prove it.
Federal confidentiality laws meant to protect you can actually make it
harder for you to see what's in your own corrupted records. Dixon offers this
Get a copy of your medical records, in case they are tampered with in the
Every year, ask your insurance company for a complete list of payments it
has made for your medical care.
Call (877) 322-8228 or go to www.annualcreditreport.com. A current credit
report will alert you to any suspicious activity.