It's been a scary year for protecting your personal information. A breach at AT&T announced this summer impacted nearly all customers — not to be confused with another AT&T data breach disclosed this spring. There was a breach at Roku and a settlement for Cash App customers after data breaches. And this month, a massive cyberattack at National Public Data was confirmed.
With all this, it's hard to keep track of where your data is at risk, making me feel a bit like a cartoon character figuring out which hole to plug next. Amidst all of that, there was also a data breach at Change Healthcare, which is owned by UnitedHealth. This impacted a massive amount of people; an exact number hasn't been indicated, but Change Healthcare says "the impacted data could cover a substantial proportion of people in America," and the U.S. Department of Health and Human Services (HHS) Office for Civil Rights (OCR) noted the cyberattack's "unprecedented magnitude."
While the Change Healthcare data breach happened in February, people are getting letters about it now. Here's what you need to know about this breach.
Sign up for Kiplinger’s Free E-Newsletters
Profit and prosper with the best of expert advice on investing, taxes, retirement, personal finance and more - straight to your e-mail.
Profit and prosper with the best of expert advice - straight to your e-mail.
What was the Change Healthcare data breach?
While you may never have heard of Change Healthcare before, there's a high chance you've encountered it. Change Healthcare is a health payment processing company that works on billing and insurance for many health systems including hospitals, medical offices and pharmacies.
In February, hackers breached Change Healthcare. TechCrunch reported at the time it was linked to a Russian-based ransomware group, where hackers demand a ransom. On Feb. 21, Change Healthcare said, the health company began taking steps to stop the hack.
"A substantial quantity of data" was taken from Change Healthcare, the company said.
You may remember that around this time, from February and into the spring, there were major disruptions in healthcare. That included problems with insurance approvals, including payments systems and Medicare reimbursements. Those disruptions were because the company was shutting down certain accesses to try to stop the attack.
The cyberattack and its disruptions led to plenty of questions and investigations about how this happened, including questions from congressmembers and an investigation from the HHS.
During a hearing before the Senate Committee on Finance, UnitedHealth Group CEO Andrew Witty said the company paid a $22 million ransom to the hackers in response to the attack.
What data was part of the Change Healthcare breach?
Data collected in this cyberattack was widespread. It included, per Change Healthcare:
- Names and dates of birth
- Addresses, phone numbers and email addresses
- Health insurance member and group ID numbers, and Medicare payor ID numbers
- Health information, including medical record numbers, diagnoses, test results, medicines and treatment
- Billing and claim information, including billing codes and claim numbers, as well as balance due
- Payment information, including financial and banking information and payment cards
- Social Security numbers
- Driver's licenses, state ID numbers and passport numbers
The company said "the information that may have been involved was not the same for every impacted individual," and it "cannot confirm exactly what data has been affected for each impacted individual."
Change Healthcare also said it has "not yet seen full medical histories or doctors’ charts appear in the data review," and that some information may have been related to guarantors who paid for healthcare services, not patients themselves.
How to know if you were part of the Change Healthcare data breach
As mentioned, Change Healthcare has started to send out letters to people whose data was impacted by this cyberattack. The company said it began sending written letters, via mail, on July 29 and is continuing to send out notices as it identifies people.
However, the company also notes that it may not have proper mailing addresses for all impacted individuals, so even if you didn't receive a letter, there's a chance you were part of the data breach.
What to do to protect your data
Because of the widespread impact of this data breach, Change Healthcare is offering free credit monitoring and identity theft protections for two years to "anyone who believes they may have been impacted." To access this, you can scroll down to the words "What can you do now?" on this page and click "Enroll now." You can also call 1-888-846-4705 to enroll yourself.
Change Healthcare also has a dedicated call center available both to access those services and to access emotional support services. You can reach that call center at 1-866-262-5342.
There are several things to do right away if you're a victim of a data breach, many of which Change Healthcare also recommends. That includes monitoring your credit reports and financial accounts, looking for anything that looks unusual. You can also freeze your credit accounts to protect your credit. Change Healthcare additionally recommends monitoring your healthcare explanation of benefits statements for anything that looks off.
Kiplinger also recommends you change your password on key accounts, including changing your Social Security login. You can use password managers like 1Password to store your passwords and create extra-secure ones.
For an additional measure of safety, set up multifactor authentication for key accounts, which means, for example, to log into a bank account, you need to enter a password and a code texted to your phone number. In fact, Witty of UnitedHealth told the Senate the hackers were able to get into a server because it didn't have multifactor authentication, so you can understand how useful a safety measure that is.
Related content
-
Three out of Four Retirees Say They’re OK Financially: Will You Be One of Them?In a snapshot survey of views on retirement in the U.S., three in four retirees say they have enough money to live comfortably. Will you be able to say the same?
-
10 Bond Investments to Consider Before the Fed Cuts RatesWhy these picks for your bond portfolio are poised to help you get the biggest return in market conditions.
-
Five December 31 Tax Deadlines for RetireesThe end of the year will be here before you know it, so it might be a good idea to start thinking soon about what you need to do for taxes before it arrives.
-
For Lawyers, the Bar Exam Is More Than Just a TestPeople who pass it within a few tries are proving they understand legal ethics and can handle pressure, advocate for consumers and communicate in writing.
-
How AI Can Guide Introverts to Success in Professional ServicesFear of rejection and awkward conversations can keep accounting and law firms from realizing significant growth. AI can help with that.
-
Why You Should Expect a Lower Social Security COLA for 2025Avoid the COLA social security dip in 2025 with a Health Savings Account
-
In Family Philanthropy, Embracing Differences Can Pay OffDifferent approaches to charitable giving among generations and individuals can actually enhance the family's giving. Here's how.
-
Apple's Launch Event 2024: Next-Generation Apple Watches and New AirPods 4Apple’s September 9th big event is sure to surprise and amaze with the new iPhone 16, along with next-generation Apple Watch models and new AirPods 4.
-
Five Things About Annuities That May Surprise YouThey're more varied, flexible and cost-effective than most people think, so don't let their complexity scare you off.
-
This "Super" 529 Strategy Can Help You Jumpstart College SavingsThis 529 strategy — superfunding a 529 — can help you maximize savings for a child or grandchild's education expenses.
