FAKE medical/dental, Medicare, "National Disability Services", "Citizens Disability", "Patient Care Services" (or some other fake name) health insurance scam by madarchod criminals phoning from India. This is a massive widespread identity theft, health insurance, fake pharmacy, Blue Cross Blue Shield, Medicare, or Social Security disability benefits healthcare scam by criminals calling from India using thousands of different spoofed phone numbers to steal your credit card number, Medicare and Social Security numbers, and personal information to commit Medicare fraud and identity theft under the pretense of saying that they will help you obtain health insurance, Medicare supplement plans, Social Security disability benefits, funeral burial expense or life insurance. The call may either begin with a recording falsely saying that you had inquired with them about applying for health insurance or monthly Social Security disability benefits, or you may immediately talk to the scammer. The India scammer usually asks for you by your name to sound like a personal phone call to gain your trust, but they are auto-dialing everyone. Scammers use huge phone database listings of millions of names with phone numbers and addresses to have the autodialer display the name that is currently dialed. If you decline their fake scam, they sometimes threaten you, saying that you need their fake insurance or else you can be arrested or fined. About 35% of North America scam calls come from India, 30% from Philippines, 30% from China/Myanmar. Foreign scammers run thousands of fraud, extortion, money laundering scams every day such as posing as a fake pharmacy, fake Social Security officer saying your benefits are suspended, IRS officer collecting on fake unpaid back taxes, debt collector threatening you for fake unpaid bills, fake bank/financial/FedEx/UPS/DHL scams, posing as utility/phone/internet companies, pretending to offer fake health insurance, car warranty, student loan forgiveness, credit card and debt consolidation services, posing as Amazon to falsely say an unauthorized purchase was made to your credit card, posing as Microsoft/Dell/HP/Apple to say your account has been hacked or they detected a virus on your computer, fake "we are refunding your money" or "your account has been auto-debited" scams, fake Google/Alexa listing scams, fake solar panel and home purchase offers, fake fundraisers asking for donations, fake phone surveys, and the scammers try to steal your financial and personal data. Indian scammers often rotate through fake tech support, subscription auto-renewal, and fake pharmacy scams on the same day. Filipino scammers run many loan and tax/debt relief, Social Security and Medicare identity theft, auto/home/health/life insurance, and fake charity donation scams. Scammers use disposable VoIP phone numbers (e.g. MagicJack) and telecom software to spoof fake names and numbers on Caller ID. Scammers spoof thousands of fake 8xx toll-free numbers. CID is useless with scam calls unless the scam asks you to phone them back. CID area codes are never the origin of scam calls since scams use spoofed CID numbers from across the US/Canada, numbers belonging to unsuspecting people, invalid area codes, and fake foreign country CID numbers; e.g. fake women crying "help me" emergency scams spoof Mexico and Middle East CID numbers. Scammers often spoof the actual name and number of businesses such as banks to trick you into thinking the call is valid. How can you avoid being scammed by phone calls? NEVER trust any unsolicited caller who: sells something (most unsolicited calls are scams so your odds of saving money are very poor); asks for your Medicare or Social Security number; offers debt relief, loan services, Medicare assistance (people who are old or desperate in debt often fall for scams); offers a free gift/reward; threatens you with arrest/lawsuit; asks you to access a website, download a file, wire transfer money or buy prepaid debit/gift cards; claims your account is frozen or has suspicious activity; says a subscription is refunded or auto-renewed/auto-debited; and all recorded messages. Recordings are far more likely to be malicious scams and not just telemarketer spam. All unsolicited callers with foreign accents, usually Indian or Filipino, are mostly scams. No other countries are infested with phone room sweatshops filled with criminals. Most Filipino scammers speak better English than Indian scammers. Filipinos speak English with a subtle accent that may sound Hispanic. To hide their foreign origin, some India scammers use non-Indians in their phone room. Scams often falsely say that you previously contacted them or visited their website. Indian scammers play fake Amazon recordings. Amazon account updates are emailed, not robo-dialed. Many banks use automated fraud alert calls to confirm a suspicious purchase, but always call the number printed on your credit card to verify if the fraud alert is real or fake. Scammers impersonate phone/cable/internet companies, offering fake discounts or service upgrades. Indians impersonate the IRS and Social Security Administration. The IRS/SSA never make unsolicited calls and never threaten to arrest you; they initiate contact via postal mail. Real lawsuits are not phoned in, especially not using recorded threats lacking details; legal notices are mailed/couriered. The police, FBI, DEA never phone to threaten arrest; they show up in person with a warrant. Scammers try to gain your trust by saying your name when they call; your name, address, birthday are public data. Many scammers, especially female Filipinas, use "romance scam" tactics of sounding really friendly as if they are your best friend or lover to try to gain your affection and trust, hoping that you let your guard down so they can easily steal your identity and money. Scammers often play recordings speaking English, Spanish, or Chinese that is easily generated using text-to-speech translation AI software to disguise the origin of their overseas phone room. Some speech synthesis sound robotic, but most AI speech sound very realistic. Scammers often use interactive voice response (IVR) AI/NLP software that combines voice recognition with artificial intelligence, speaks English with American voices, and responds based on your replies. IVR calls begin with: "This is fake_name, I am a fake_job_title on a recorded line, can you hear me okay?"; or "Hi, how are you doing today?"; or "Hello? Are you there?"; or "Hi, may I speak to your_name?" IVR quickly asks you a short question to elicit a yes/no reply so it hangs up if it encounters voicemail. One myth is that saying "yes" to IVR lets scammers use your voice sample for other scams. IVR understands basic replies and yes/no answers. To test for IVR, ask "How is the weather there?" since IVR cannot answer complex questions. IVR usually transfers you to the scammer, but some scams entirely use IVR with the robot asking for your credit card or SSN. Phone/email scams share two common traits: the CID name/number and the "From:" header on emails are easily faked, and the intent of scam calls is malicious just as file attachments and website links on scam emails are harmful. Scams snowball for many victims. If your personal/financial data are stolen, either by being scammed, visiting a malicious website, or by a previous data breach of a business server that stores your data, then your data gets sold by scammers on the dark web who will see you as fresh meat and prey on you even more. This is why some receive 40+ scam calls everyday while others get only 0 to 2 calls per week. If you provide your personal data to a phone scammer, lured by 80%-discounted fake drugs or fake loan and debt services, you receive even more phone scams and identity theft can take years to repair. Scammers often shout profanities at you. Google "Hindi swear words" and memorize some favorites, e.g. call him "Randi Ka Beta" (son of whore) or call her "Randi Ka Betty" (daughter of whore). Scammers ignore the National Do-Not-Call Registry. Asking scammers to stop calling is useless. Scam recordings often tell you to press a keypad number to be placed on their Do-Not-Call list or to unsubscribe from their scam texts/emails, but those keypad commands are fake and they say that just to sound legit. Scammers often provide a toll-free callback number to look like a real business, but they regularly shed old callback numbers so you can never reach the scammers once you have realized that you were scammed. Scammers tell you their callback number just to gain your trust long enough to steal your identity and money and then they frequently switch to using new callback numbers. You do these scammers a favor by quickly hanging up. YOU SHOULD SCAMBAIT ALL SCAMMERS - slowly drag scammers along on the phone call, provide fake personal and financial data (16 random digits starting with 4 for Visa, 5 for MasterCard), ask them to speak louder and repeat what they said to waste their time and energy.

December 16, 2025

Do not answer this number, do not call it back and, most importantly, do not give them any information of any kind. I had the same experience as most people here. This number called me once on 11/7/25 and then again three days later on the 10th. Both times it left voicemails saying it was “Horizon NJ Health reaching out with an important message” and then inviting me to call their “toll-free” number. What I think is extra insidious about this is that it’s not an over the top “call is immediately!” that might tip some people off. Also they know that health insurance (especially atm) is something people are pretty worried about. The ambiguity of “important message” is going to send “am I approved or denied the procedure I need?” “do I owe money” and all kinds of other questions racing through potential victims heads, they’re hoping that’ll be scary or exciting enough to cloud people’s judgement. Sickening.

November 20, 2025

SCAM SCAM SCAM PRETENDS TO BE HORIZON, DO NOT CALL BACK AND GIVE YOUR PERSONAL INFORMATION, HORIZON WILL NEVER CALL YOU. ONLY CONTACT THEM WITH THE NUMBER ON THE BACK OF YOUR CARD.

November 20, 2025

They called me twice in 2 days I answered once they told me it was important regarding my health insurance and then hung up.. I believe they want me to call me back to try to scam info from me

November 19, 2025

Seems to be a scammer impersonating Horizon, multiple calls. Do NOT call the number back or give any information to them. Call only the number on your insurance card or the official website. I plan to call Horizon again later and make sure they know about this scam continuing. They really should send mass alerts to their customers to make them aware at this point, someone clearly got access to all their customer contact info.

November 10, 2025

I believe this to be a SCAM! This phone number (800-804-4731) called me a few times showing "Horizon NJ Health" on my caller ID. Each time I let it go to voicemail. They left only one message (out of 8 calls in two days) saying they have an "important message regarding my health" for me. I called back the number and it even answered like it was "Horizon NJ Health", but when the automated system started asking me to verify my identity with my birthday and social security number, I hung up and called Horizon NJ Health directly on their actual phone number. I also went onto Horizon's website just to double check for any issues. There were no "important messages" for me. AI calling is getting too good. If you don't feel comfortable answering personal questions always hang up and call the real person directly and report the fake caller. Better to be safe than sorry.

November 6, 2025

Received call 2 days ago and today, said they were horizon nj health on voicemail. Not sure if it’s spam or true.

November 6, 2025

I just received a call from this number. I got a voicemail saying it was horizon nj. Thankfully, I came across this site. I just want to add my experience of receiving a call from this number.

November 4, 2025

Just now I received a call from this number! If really this call from Horizon NJ Heath, never they will ask you, press 1 or 2.

August 28, 2025

Spam

August 28, 2025

I called thinking it was an insurance company, but as soon as I dialed my caller I'd showed this number as spam.

August 14, 2025