The past year or so I have noticed that when I go for lab tests, x-rays etc., the check-in procedure requires a photo id (i.e. drivers licence or state issue ID card) and the insurance card, both of which are scanned into the computer. This may be just a local procedure, but I think that it would cut down on this type of fraud.
This is common practice in the USA and, as you surmise, is designed (at least in large part) to defend against medical identity theft.
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