Facebook Helps Nab Phoenix Women for Insurance Fraud


Arizona Department of Insurance
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PHOENIX – A Phoenix woman, who was paid $26,500 by Travelers Insurance Company after she claimed she lost her wedding rings while swimming in the Pacific Ocean, pled guilty to two counts of insurance fraud.  The fraud was uncovered, in part, by a Facebook photo showing her still wearing the distinctive rings after they were supposedly lost.


Maria Apodaca Simmons made a claim on her Travelers Insurance policy for the rings on June 4, 2013, saying she lost them while swimming in the ocean a few days after her wedding in May.  


In October 2013, Simmons also filed a $14,000 claim for her husband’s wedding band, claiming it was lost when he was swimming while on vacation.  A State Farm employee thought something was amiss when interviewing her about her husband’s ring. The employee noticed that she was wearing what appeared to be the wedding rings that she told Travelers were lost while swimming.  Simmons provided State Farm with the same appraisal which included photos of the rings that she used for the Travelers policy.


Arizona Department of Insurance investigators were called in and later discovered a Facebook page with a photo showing her wearing the same rings after the date of the Travelers claim.  Arizona Department of Insurance investigators executed a search warrant on Simmon’s residence in Phoenix this past January and recovered her rings.  Simmons first said the rings she was wearing were duplicates, but the jeweler who made the custom rings told investigators that he had only made one set.  Simmons eventually implicated herself in the fraud in statements she made relative to the Travelers claim and admitted that the claim made on her husband’s wedding band was also fraudulent.


A complaint was filed on August 25, 2014 charging Maria Apodaca Simmons with two counts of insurance fraud. Simmons pled guilty to both counts on September 23, 2014.  As part of a plea agreement with the State, Simmons will be placed on probation, agreed to pay restitution $26,953.60 to Travelers Insurance, and $1,005.11 to the Arizona Department of Insurance for investigative costs.  Simmons will be sentenced on October 29, 2014 at 8:30 a.m. by Maricopa County Superior Court Judge Sam Myers.


About the Arizona Department of Insurance

The Arizona Department of Insurance, an agency of the State of Arizona, is responsible for the education and protection of insurance consumers and for oversight of the insurance industry in the state.

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Lists insurance companies that are offering health insurance to individuals and families in Arizona in 2020.  Open enrollment starts November 1st and now runs through December 17th, 2019.  Individuals can start shopping for coverage now at healthcare.gov or cuidadodesalud.gov (Spanish)

Notice of Proposed Rulemaking - Corporate Governance Annual Disclosure Model Regulation In 2019, the Arizona Legislature adopted the NAIC Corporate Governance Annual Disclosure Model Act at Arizona Revised Statutes (“ARS”) by enacting the Corporate Governance Act at Title 20, Chapter 2, Article 16 (Laws 2019, 1st Reg. Sess., Ch. 180, § 1).   The Department of Insurance (“Department”) seeks to adopt the correlate Corporate Governance Annual Disclosure Model Regulation.  ARS § 20-492.02 allows the Department to adopt rules to carry out the Act upon notice and an opportunity to be heard.  The Legislature has exempted the Department from Title 41, Chapter 6 for one year after the effective date of the Act.  (Laws 2019, 1st Reg. Sess., Ch. 180, § 2.)
Arizona's Surprise Bill Resolution Report for 2019

As shown in the attached report prepared pursuant to A.R.S. § 20-3118(A), the Department of Insurance received 91 requests for dispute resolution in Calendar Year 2019.  Of those, 53 have been resolved or closed, and health plan enrollees saved $41,538 by submitting their surprise bills for resolution.  

Not all health care bills qualify for the surprise bill resolution process.  The Department's Suprise Out-of-network Billing Dispute Resolution website (https://insurance.az.gov/soonbdr, and especially the section entitled, "I got a surprise bill. Can I submit a request for arbitration?") lists conditions when a health care bill may not qualify under Arizona law for the dispute resolution process.  But for those that do, the enrollee will only be responsible for paying the enrollee's cost-sharing amounts (copay, coinsurance and deductible) if the enrollee provides information the Department needs, and participates in an informal settlement teleconference with the health care insurer and the health care provider.

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