How to Spot and Stop Phishing Emails Pretending to Be Health Insurance Providers

You’ve probably seen phishing emails before. Some are painfully obvious (like a random prince offering you millions), but others are getting scarily convincing — especially in 2025, where AI-generated emails are making it harder than ever to spot the fake ones.

One growing trend we’re seeing? Phishing emails pretending to be from health insurance providers. These are hitting inboxes across industries, targeting both individuals and companies. And if you’re not careful, a single click could lead to identity theft, exposed employee data, or a full-blown security breach.

So let’s talk about how to spot these sneaky attacks — and more importantly, how to stop them.

There are a few big reasons why health insurance scams are booming right now:

With more people relying on digital communication for health plans, claims, and benefits, the email volume is up — and so is the noise. That makes it easier for fake messages to slip through.

These fake emails often spoof big names like:

Common subject lines:

Once you open it, they may:

Here’s your checklist to detect a phishy message:

Phishers spoof domains that look official but are slightly off. Watch for:

Hover over the sender email — and don’t trust it just because it has a logo.

A real provider knows your name.

Phishing emails say things like:

If it doesn’t use your actual name or plan number — big red flag.

Phishers love to panic you into clicking fast. Look out for phrases like:

Breathe. Check the sender. Don't rush.

Hover over any button or link — does it go to a legitimate domain?

Examples of fake destinations:

If the domain isn’t the provider’s official site, don’t click.

Avoid opening PDFs or ZIP files claiming to be “your latest EOB” (Explanation of Benefits) or invoice, unless you were expecting one. These are common malware delivery methods in phishing emails.

A widespread phishing campaign pretended to be from Medicare Advantage providers. It led seniors to a fake login portal, where they unknowingly shared their credentials. Some even entered their SSNs and birthdates.

Scammers sent HR teams emails offering “discounted group health plans” through spoofed providers. When HR teams clicked, their credentials were stolen — and attackers gained access to employee info and internal HR platforms.

This is why awareness and technical protections are both critical.

Here’s what you — or your IT/security/compliance team — should do right now:

These protocols prevent others from spoofing your domain. If you're not using DMARC, you're basically leaving your front door open.

YourDMARC (👋 that’s us) helps businesses:

If you send email to customers — this is non-negotiable in 2025.

Create awareness with:

Even a 10-minute training can dramatically reduce click rates on real phishing attacks.

If someone does fall for a phishing link, MFA adds another layer of protection. Always use MFA on:

Email security tools like Microsoft Defender, Mimecast, or Proofpoint can flag and quarantine suspicious messages before they hit inboxes.

Pair them with DMARC, and you’ve got a strong line of defense.

Reporting isn’t just helpful — it’s critical. It protects your company, your contacts, and others using the same provider.

Here’s where your users can send suspicious messages (use your own org’s internal setup):

Tip: Create a central reporting address that auto-forwards to your security or IT team.

Here’s a message you can drop into Slack, Teams, or email:

⚠️ Heads Up: Health Insurance Phishing Emails
We’ve seen a recent rise in phishing emails pretending to be from health insurance providers like [insert brand].
Common subjects: “Coverage Cancelled”, “Plan Expiring”, “Refund Available”.

Please do NOT click on links or download attachments unless you’re sure they’re legit.

When in doubt, forward suspicious emails to reportfraud@[yourdomain].com.

Stay safe and alert. These scams are getting slick.

Think of DMARC as your business’s digital bodyguard. It tells the internet: “Only these sources are allowed to send email on our behalf.”

At YourDMARC, we help you:

If phishing is keeping you up at night — we’re here to help. Easy setup, full visibility, and peace of mind.

Phishing emails are getting smarter — but so are we. The key is knowing what to look for, building good habits, and using smart tools that keep your inbox (and data) secure.

Let this be your reminder to:

Your inbox is your frontline — protect it like you would your wallet.