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9 ways to combat child identity theft

Monitor your child's medical history
Monitor your child's medical history | AE Pictures Inc/Getty Images

Monitor your child's medical history

Identity thieves don't only steal personal information for credit purposes. A growing fraud frontier involves medical identity theft, which gives impostors the ability to obtain anything from prescription drugs to pricey medical services. These transactions may not show up on a credit report.

According to the Federal Trade Commission, there are ways parents can detect fraud, including if you receive bills, collection notices or calls from debt collectors regarding medical services in your child's name that you don't recognize.

Parents should be alarmed if they see:

  • Unfamiliar listings of office visits or treatments on their explanation of benefits.
  • If they are told by their health plan that they've reached their benefit limit.
  • If they are denied insurance because their medical records show a condition they don't have.

Because insurance companies make important financial decisions about the products and premiums they extend to their customers, the accuracy of your child's medical history is critical, says Winston.

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Editorial Disclaimer: The editorial content is not provided or commissioned by the credit card issuers. Opinions expressed here are author’s alone, not those of the credit card issuers, and have not been reviewed, approved or otherwise endorsed by the credit card issuers.

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