Obamacare: Invitation to fraud

posted at 9:01 pm on November 11, 2013 by Mary Katharine Ham

On “The O’Reilly Factor” tonight, we talked about the chance that Obamacare navigators could be bad actors, urging people to lie about their income or health, as new video from Project Veritas suggests they already are.

The navigator system— with grants given to plenty of left-leaning community organizers to lead citizens to the entitlement—was always fertile ground for mischief. It’s been made more problematic by the incompetence of the administration.

Navigators were originally required to go through 30 hours of training, but that requirement was later cut to 20 hours because the navigator program, like the rest of Obamacare, was falling on its face. As Guy Benson reported in August, back when the administration was still claiming it was totally ready:

“Opening day for the new health-insurance marketplaces is two months away, but efforts to recruit and train workers to help people enroll are barely off the ground in many states. With time running short before enrollment kicks off Oct. 1, the Obama administration last week cut back on training requirements for these ‘navigators.’ Officials were concerned there might not be enough time to do more-extensive training before the health-insurance exchanges open … Three weeks ago, the administration said navigators would need up to 30 hours of training before they start, but it said last week that 20 hours would be sufficient.”

So rather than maintaining some semblance of quality control, the administration has slashed by one-third the amount of training taxpayer-funded Obamacare ‘experts’ will receive before they’re “qualified” to walk ordinary Americans through the process of obtaining healthcare through the law’s exchanges. Yes, these are the same under-trained, under-vetted “navigators” that privacy experts worry will have too much unfettered access to reams of citizens’ confidential information.

HHS Sec. Kathleen Sebelius just admitted in an exchange with Sen. John Cornyn that there is no requirement that navigators, who have access to your most important personal information, go through a criminal background check:

“Isn’t it true that there is no federal requirement for navigators to undergo a criminal background check,” Cornyn asked her.

“That is true,” Sebelius answered. “States could add in additional background checks and other features, but it is not part of the federal requirement.”

Cornyn pressed, “So a convicted felon could be a navigator and could acquire sensitive personal information from an individual unbeknownst to them?”

Sebelius answered, “This is possible.”

But the navigators are by no means the only open window for crooks in Obamacare. Let’s go over the website itself, which did not even go through a top-to-bottom security check before launching:

As a test, CBS gave one technology expert the real healthcare.gov username of a CBS employee, and within seconds, he identified the specific security question she used to reset her password.

Sean Henry, the former assistant director of the FBI’s cyber division, said the security issues need to be taken seriously.

“If somebody’s got the ability to look at a source code and able to reverse-engineer that and identify what somebody’s personal questions are, that should be of concern,” Henry said.

Politico:

Early stumbles on the hobbled Obamacare website — password glitches, incomplete testing and fractured development — underscore considerable safety risks and hint at deeper vulnerabilities, data security experts warn.

Lawmakers seized on those concerns Tuesday and will most likely do so again Wednesday, reverting attention to a process that has astounded IT specialists…

A software tester recently discovered a series of potential security flaws, including one in the site’s password-reset function that would enable a skilled hacker to access users’ email and security questions. Another allowed a password-reset request to send information to third-party analytics companies such as Pingdom and Google’s DoubleClick. A report this week indicated that a North Carolina man logged on to the site only to receive eligibility information about someone in another state.

Tavenner called the latest concern a “personal identification issue,” the agency corrected. Health and Human Services Secretary Kathleen Sebelius labeled the password glitch a “theoretical problem that was immediately fixed” and insisted at a recent House hearing that the website stores “the minimum amount of data.” The Senate Finance Committee on Wednesday is expected to question her further.

These issues, while small, go against industry best practices the administration says it follows. Security analysts fear they hint at bigger bugs in the system. Such weaknesses might not only allow hackers to access personal information but make it easier to engage in clickjacking — a process where harmful links appear like legitimate portions of a website — or pharming, where criminals direct users to a bogus site and take their information.

Obamacare is a system so complex, so incompetently administered that it doesn’t even require malice on the part of navigators or the bill’s allies to screw up people’s lives royally. What if you add malice and intent to the mix?

With millions of Americans frustrated and bewildered by the trouble-prone federal website for health insurance, con men and unscrupulous marketers are seizing their chance. State and federal authorities report a rising number of consumer complaints, ranging from deceptive sales practices to identity theft, linked to the Affordable Care Act.

Madeleine Mirzayans was fooled when a man posing as a government official knocked on her door. Barbara Miller and Maevis Ethan were pitched by telemarketers who claimed to work for Medicaid. And Buford Price was almost caught by another trap: websites that look official but are actually bait set by fly-by-night insurance operators.

And, even without the inherent problems of the navigator program and website, let’s not forget the Obama administration forfeited the fight against fraud before it even began by forgoing income verification altogether— a disaster in the making papered over by a watered down “fix” in the debt ceiling deal.

In any big program, fraud can creep in. With Obamacare, it’s been invited over for a keg party.

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0bama himself is a fraud…

OmahaConservative on November 11, 2013 at 9:04 PM

come on MKH your buddy Juan just assured us there would be no fraud….if its good with Juan…i trust him….
fraud you say???….hmm…dont see any way that would happen..

going2mars on November 11, 2013 at 9:09 PM

A fraudulent program run by frauds…! Shocking! We wuz my-zeld!

That’s okay because the administration is counting enrollees as anyone who has been on the site and put a plan in their cart. No purchase necessary! Truly free?

d1carter on November 11, 2013 at 9:12 PM

I hear Bernie Madoff is in charge of recruiting Navigators…

viking01 on November 11, 2013 at 9:16 PM

“Opening day for the new health-insurance marketplaces is two months away, but efforts to recruit and train workers to help people enroll are barely off the ground in many states….”

This is what Obama should have been rooting out and dealing with instead of playing golf.

This whole administration is guilty of negligence. Every single one.

NavyMustang on November 11, 2013 at 9:16 PM

An Invitation to Fraud is the first step to earning your License to Kill.

Flange on November 11, 2013 at 9:19 PM

Makes you think that they didn’t really think this was going to work…?

d1carter on November 11, 2013 at 9:19 PM

Ask Dog Eater flat out, if 30 hours was predetermined as the necessary amount of training how is it he can simply slash it by a third and call it good.

Everything these aholes have done since the first day of Bark’s tenure has been guesswork, they throw these numbers out randomly.

“So the navigators need what…50 hours…50? Or what, 35, 30? Yeah, everyone’s nodding at 30? 30? Ok good, 30 hours.”

Bishop on November 11, 2013 at 9:21 PM

C’mon, is it really fraud if it’s done with Barack’s blessing and cooperation?

You wingnuts just nned to accept that this is the Age of Obama… laws don’t apply if they get in the way of Progress.

/liberal

malclave on November 11, 2013 at 9:25 PM

It’s too late to fix this. Our small company had our insurance cancelled two months ago and while our broker keeps saying he expects new policy info t be forthcoming, he told us last week he really has no idea when, or if, we will get renewal formation.

We have employees who depend on this insurance for critical care. What the hell are these people supposed to do?

Democrats screwed this up all by themselves, and they sure as heck have to fix it. Right away, too– the time for political posturing is long since passed.

MTF on November 11, 2013 at 9:26 PM

Did somebody say “keg party”….¿?
:》

ted c on November 11, 2013 at 9:34 PM

It’s going to get worse. Here’s another Issue:

Facebook is mining data leaked from the recent breach at Adobe in an effort to help its users better secure their accounts. Facebook users who used the same email and password combinations at both Facebook and Adobe’s site are being asked to change their password and to answer some additional security questions.

http://blogs.wsj.com/digits/2013/11/11/after-adobe-hack-other-sites-re-set-passwords/

I don’t use F.B., but it sounds like F.B. is sending messages out to their users.

This Obamacare website and the community organizers that have access to peoples’ health info is going to cause havoc!!!
I.D. Theft and Credit Card Theft via this is going to be a disaster.

bluefox on November 11, 2013 at 9:37 PM

Who is the gal with the pained expression on her face? ??

ted c on November 11, 2013 at 9:40 PM

Who is the gal with the pained expression on her face? ??

ted c on November 11, 2013 at 9:40 PM

Dunno’ but we have seen her quite a bit lately. Her policy must have been dropped…

OmahaConservative on November 11, 2013 at 9:43 PM

None of this matters until the regime drops the carrot, and picks up the stick.

50k?

Yea,, the stick comes soon.

wolly4321 on November 11, 2013 at 9:50 PM

One of my ranch contractors, who is self-employed but with about 30 employees who work at the ranch from time to time, actually signed up and got through the 404 maze. When filling in his annual income, which determines the size of the subsidy, he put in $15,000, a “typo” in which he missed an extra zero. No problem, he gets a Gold Plan for about $100 a month, much less than his current, somewhat similar plan costs. He has not in 30 years made or reported an income to the IRS less than $150,000 a year.

While he didn’t buy the plan, guy’s too honest, it does show how easily it is to lie and get what you want out of Obamacare, which no doubt is exactly what was planned from the beginning. Who would pay the premiums for someone who low-balled their income, yes, it is us.

This whole thing makes Bernie Madoff look like Momma T, Mother Teresa.

TXUS on November 11, 2013 at 9:51 PM

Who is the gal with the pained expression on her face? ??

ted c on November 11, 2013 at 9:40 PM

She’s the nurse who found out she will have to do Michael Moore’s colonoscopy’s under his DeathCare plan.

Bishop on November 11, 2013 at 9:55 PM

The mere fact there’s a “Gold Plan” pimped and then other plans with a built in punishment for the successful is pure Orwell where all are equal but some are more “equal” than others.

viking01 on November 11, 2013 at 9:57 PM

Who is the gal with the pained expression on her face? ??

ted c on November 11, 2013 at 9:40 PM

She’s the nurse who found out she will have to do Michael Moore’s colonoscopy’s under his DeathCare plan.

Bishop on November 11, 2013 at 9:55 PM

I figured it would be the girl who had her formerly smiling face plastered all over Barky’s dysfunctional O’Commiecare website… or “Louisiana Purchase” Mary Landrieu.

(Provided she hasn’t changed her name, left the country, had plastic surgery, and entered the new Federal Obamacare Former Endorser’s Identity Protection Program.

viking01 on November 11, 2013 at 10:01 PM

The mere fact there’s a “Gold Plan” pimped and then other plans with a built in punishment for the successful is pure Orwell where all are equal but some are more “equal” than others.

viking01 on November 11, 2013 at 9:57 PM

Besides Bronze, Silver and Gold, there is also a bargain-basement catastrophic-only plan in Obamacare; your annual income must be below a certain amount for you to qualify for it.

Of course this plan looks just like the ones the REB called ‘substandard’.

slickwillie2001 on November 11, 2013 at 10:03 PM

Who is the gal with the pained expression on her face? ??

ted c on November 11, 2013 at 9:40 PM

A member of the media, an Obama supporter (but I repeat myself), who is suffering from Hero Hangover, and thus has lost that Loving Feeling, oh that Loving Feeling. It’s gone, gone, gone … whoah, whoa-oh …

TXUS on November 11, 2013 at 10:05 PM

Obamacare: Invitation to fraud

…and all the political parties…and the politburo press…turn their heads!

KOOLAID2 on November 11, 2013 at 10:15 PM

TXUS on November 11, 2013 at 9:51 PM

Man, and the stories keep coming. God Bless your buddy for his integrity…

OmahaConservative on November 11, 2013 at 10:18 PM

The fraud is real but a very little part of this. The real concerns are in the law suits and blackmail that it will generating. All those that received cancelations with out recourse will most likely be able to sue for their losses. Do the math, 60M canceled policies and a moderate 50K each plus costs. That is a potential of 6T dollars in just the first Quarter of 2014. Blackmail from medical records and financial records. Wow a another gold mine.

The Government is in a real bad spot here and you can see them starting to squirm as the start to realize the magnitude of their folly.

jpcpt03 on November 11, 2013 at 10:37 PM

Well, I see Patch Tuesday is tomorrow and the zero-day bug for IE will have a patch included. I have a few updates to do before that!

I suppose Flash Player will be updating also and, and, LOL

bluefox on November 11, 2013 at 10:43 PM

Well, I see Patch Tuesday is tomorrow and the zero-day bug for IE will have a patch included. I have a few updates to do before that!

I suppose Flash Player will be updating also and, and, LOL

bluefox on November 11, 2013 at 10:43 PM

Is healthcare.gov still IE only?

slickwillie2001 on November 11, 2013 at 10:48 PM

bluefox on November 11, 2013 at 10:43 PM

Is healthcare.gov still IE only?

slickwillie2001 on November 11, 2013 at 10:48 PM

I have no idea. I’d rather shut my Anti-Virus down & Firewall than go to that site!

bluefox on November 11, 2013 at 11:17 PM

The Wall Street Journal says to avoid Healthcare.gov websites that work as they may be frauds!

Dhuka on November 12, 2013 at 1:12 AM

Democrats screwed this up all by themselves, and they sure as heck have to fix it. Right away, too– the time for political posturing is long since passed.

MTF on November 11, 2013 at 9:26 PM

Be forewarned: such cries will be utilized to say that single payer is now needed.

Name the fix or someone else without your interests at heart will name it for you.

ajacksonian on November 12, 2013 at 5:36 AM

“…there is no requirement that navigators, who have access to your most important personal information, go through a criminal background check:”

I despise this administration.

locomotivebreath1901 on November 12, 2013 at 6:52 AM

HHS Sec. Kathleen Sebelius just admitted in an exchange with Sen. John Cornyn that there is no requirement that navigators, who have access to your most important personal information, go through a criminal background check:

Meanwhile, I require to be fingerprinted and licensed in order to allow for a background check to purchase a handgun…

Gatsu on November 12, 2013 at 7:42 AM

How does 2 1/2 days of training make sense?
Technical service reps for a major phone company get over 200 hours of training before they are allowed to ‘go live’ with customers.

maryo on November 12, 2013 at 7:59 AM

Who is the gal with the pained expression on her face? ??

ted c on November 11, 2013 at 9:40 PM

.
Jaye Watson, WXIX, Atlanta

ExpressoBold on November 12, 2013 at 8:01 AM

50,000 Obamacare Navigators sign up less than 50,000 enrollees. They gotta be spending their time doing something.

weaselyone on November 12, 2013 at 8:17 AM

“That is true,” Sebelius answered. “States could add in additional background checks and other features, but it is not part of the federal requirement.”

Sebelius is implying that individual states can set requirements for the hiring of Obamacare navigators. I don’t know that this is a true statement. If true, we should be getting busy with our state legislatures to enact background checks on the Obamacare navigators in our states.

Sebelius is ok with the Federal government mandating insurance, but not background checks on those gaining access to personal information. Liberals only favor big government when it supports bigger government.

weaselyone on November 12, 2013 at 8:24 AM

King Barack isn’t bothered by fraud. He’s been committing it for years!

GarandFan on November 12, 2013 at 10:23 AM