Company backgrounds checks? How deep?

Is it insurance fraud to cash checks given to you by your insurance company that you're supposed to give a Dr?

  • I received services from a doctor in Colorado a few years ago.My insurance company was sending me checks.I didn't know why.I was cashing them.I later found out that the money was supposed to be placed in my bank account and then I write the doctor a personal check,that was my insurance company's policy.The hospital then sent me letters saying that I owe them the money.That was years ago.A couple of years the hospital sent another letter saying I owe the money.Now my insurance company sent me a letter recently saying they have some uncashed checks from the times I was seeing the doctor.If I have them resend me the checks,and I cash them, is that illegal and can I go to jail?

  • Answer:

    It is not fraudulent to cash a check that is written out to you. It is, however, fraudulent to not pay your doctors for services rendered. The doctors can take your debt to collections and ruin your credit over it.

Paul Evans at Yahoo! Answers Visit the source

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If the check is made out to you, legally you can do anything with them that you want to. You should pay the providers that treated you, and may be sued if you don't.

So, follow-up question since I'm currently in posession of insurance checks that my dentist is asking me to sign over. Why am I receiving these checks instead of the insurance company sending the money directly to the dentist? This is the first time in my over 12 years of having insurance that I've ever had to do this, and it feels shady that it's happening this way. I'd ask my insurance company but they of course conveniently don't have weekend hours...but my dentist does, so.. :)

No, but you still have to pay the doctor

You committed fraud and stole from your insurance company. Did ou think you did not have to pay the doctor at all? Would you like someone to withhold payment from you for a service y ou provided? You must pay the doctor or send the checks back to the insurance company or they will file felony theft charges against you.

No, it's not insurance fraud, and it's not illegal. But the doctors and hospitals ARE able to sue you - and they will. And they'll win. It's not particularly SMART to do what you're doing. Which is probably why you're poor and broke all the time - because you make really bad money decision. And that's probably not going to change. People get wealthy, by making SMART money decisions. You clearly aren't in the habit of doing that.

If the checks are in your name, you can cash them! But remember ignorance of the law is no excuse for fraud, grand larcency, etc. Tke your policy to an agent and have them explain it, or try to get a duplicate and do the same if lost. I would call the company to find out, as you do not state wnere you got your info!

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