Fraud increases the cost of health care for everyone and increases your Federal Employees Health Benefits (FEHB) Program premium.

OPM's Office of the Inspector General investigates all allegations of fraud, waste, and abuse in the FEHB Program regardless of the agency that employs you or from which you retired.

Protect Yourself From Fraud — Here are some things you can do to prevent fraud:

• Be wary of giving your plan identification (ID) number over the telephone or to people you do not know, except to your doctor, other provider, or authorized plan or OPM representative.

• Let only the appropriate medical professionals review your medical record or recommend services.

• Avoid using health care providers who say that an item or service is not usually covered, but they know how to bill your plan to get it paid.

• Carefully review explanations of benefits (EOBs) that you receive from your plan.

• Do not ask your doctor to make false entries on certificates, bills or records in order to get your plan to pay for an item or service.

• If you suspect that a provider has charged you for services you did not receive, billed you twice for the same service, or misrepresented any information, do the following:
  • Call the provider and ask for an explanation. There may be an error.
  • If the provider does not resolve the matter, call your FEHB plan at the special number given in the plan brochure for this purpose and explain the situation.
  • If your plan does not resolve the issue:

• Do not maintain as a family member on your policy:
  • your former spouse after a divorce decree or annulment is final (even if a court order stipulates otherwise); or
  • your child over age 22 (unless he/she is disabled and incapable of self support).

• If you have any questions about the eligibility of a dependent, check with your personnel office if you are employed or with OPM if you are retired.

• You can be prosecuted for fraud and your agency may take action against you if you falsify a claim to obtain FEHBP benefits or try to obtain services for someone who is not an eligible family member or who is no longer enrolled in the Plan.