Victims are commonly told they need multiple visits. The providers fabricate diagnoses and reports and commonly provide expensive but unnecessary services. The lawyers then initiate negotiations on settlements based upon these fraudulent or exaggerated medical claims. In processing claims, insurance companies rely mainly on diagnostic and procedural codes recorded on the claim forms. Their computers are programmed to detect services that are not covered.
Most insurance policies exclude nonstandard or experimental methods.
To help boost their income, many nonstandard practitioners misrepresent what they do. They may also misrepresent their diagnosis. Live-cell analysis may be billed as one or more tests for vitamin deficiency. Nonstandard allergy tests may be represented as standard ones. Services not covered because they were performed outside of the United States may be billed as though they were performed within the United States.