ScamSplain

Medical-Billing / 'You Owe a Copay' Phish

A message claims you owe a medical copay or balance and links to a fake payment page or scam call that steals your card and health details.

Think a message like this reached you? You can check it right now.

What this scam is

You receive a bill or 'past-due' notice for a copay or medical balance, with a link to pay or a number to call. Because medical billing is confusing and common, people pay without verifying. The link is a fake payment page harvesting your card, or the call collects card and insurance details. Real providers can confirm balances through your patient portal or their official billing office; unexpected 'pay now' medical texts with links deserve a direct verification.

What it usually looks like

  • A copay/balance-due notice by text or email.
  • A 'pay now' link or a number to call.
  • Pressure about collections or service holds.
  • Requests for card and insurance info.

Common warning signs

  • Medical 'pay now' links you can't verify.
  • Bills for visits you don't recognize.
  • Pressure and collections threats.
  • Payment pages not tied to your provider's portal.

Example wording scammers use

Your outstanding copay of $148 is past due. Pay now to avoid collections: medbill-pay.net
This is the billing office — please provide your card to settle your balance.

These are illustrative examples written by ScamSplain, not real messages.

What the scammers want

  • Your card and insurance details.
  • Your health/personal data.
  • To exploit billing confusion.

This is general safety information, not professional advice. It is not legal, financial, medical, or immigration advice, and it does not create a professional relationship. For your own situation, speak with a qualified professional or the official organisation involved. If you are in immediate danger, contact your local emergency number.

What to do

  • Verify any balance through your patient portal or the provider's official billing number.
  • Don't pay via a link in an unexpected text/email.
  • Ask for an itemized bill.
  • Report suspicious messages.

What to do if you already responded

  • Call your card issuer; watch for misuse of health/insurance info.
  • Verify your real balance with the provider.
  • Report at reportfraud.ftc.gov.

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