One would think it isn't possible to be scammed when buying insurance but rural Americans have been put at risk for years.  There is a company called Reserve National out of Oklahoma which sells policies in many states like Wyoming.  I learned about this insurance scam from a client.  She lives in rural Wyoming and has been paying for this insurance for over 15 years.  Her mother also had it starting in the 70's.  The insurance was purchased for hospitalization or as we call it now, catastrophic events.   Any serious medical event in this part of Wyoming requires air flight to a major trauma center like Salt Lake City.  Air flights start at $10,000.  This insurance doesn't cover air flights.  Matter of fact, it covers so little the hospital in Salt Lake told her she was under insured.   The insurance for hospitalization, only paid for ONE Doctor visit a day irregardless of the situation and paid only $150.00.  When you are  hospitalized, you are always seen by multiple doctors especially if there is uncertainty of a diagnosis.  This means if you had surgery, one doctor all day got paid $150.  The doctor who's bill gets to the insurance company first , gets reimbursed.  They also have few contracts for negotiated rates, and what ones are in place have minimal reductions.   Therefore, the consumer is essentially paying full price.  Consequently, my client was left with a $35,000 air flight bill, $22,000 hospital bill and another $5,000 miscellaneous bills from labs, doctors and ambulances.