Was I signed up for health insurance illegally and will this affect my credit?
If someone signed me up for individual health insurance without my knowledge and I am receiving bills stating that my account will be terminated if I do not pay and I have past due payments, but the person who signed me up is stating to not worry about it, the coverage will just waive and terminate if you don't pay, do I need to worry about this? Will this balance go on my credit report if I do not pay? If I am trying to sign up for individual insurance through the same company, will this affect me being able to apply because of them seeing that someone already signed me up without my permission and I have a due bill? Please answer if you have true knowledge or experience with this as I am heated that I was signed up for something against my will probably for someone to benefit monetarily from signing me up and now I am getting billed. Thanks
If someone signed you up for insurance without your permission, that is fraud, and is considered a crime. You should report the agent to your state insurance department.
Well first that individual that signed you up has committed insurance fraud. You need to call the company and explain to them that you didn't sign up for this policy and it has come to your attention that another person signed you up without your knowledge.
They will probably want to do some confirming of information which probably won't match your real information and cancel the policy without charging you.
The person who activated the policy is right they will just cancel the policy and it won't go on your credit. However it may throw flags up now that you are trying to get insurance with the same firm. Might not either.
The insurance company is likely to ask you to tell them who activated the policy without your permission so they can press charges against them for fraud. That is a decision you will have to make on your own.
Answers:
They are right, it will just waive and terminate if you don't pay. No credit report issue, if you didn't use it.
The company will probably not take you back.
Why would someone ELSE have signed you up for health insurance? MOST of the time, well, always, that I've ever seen, YOU have to sign the application. Did they forge your name?
Who in the WORLD would have benefited monetarily from your heatlh insurance, besides YOU?? That doesn't make any sense.