{"success":true,"data":{"id":"healthcare-insurance-sbc-phish","label":"Fake health insurance Summary of Benefits and Coverage (SBC) document requiring portal re-enrollment or coverage verification — impersonating UnitedHealth / Aetna / BCBS / Cigna.","description":"Fake health insurance Summary of Benefits and Coverage (SBC) document requiring portal re-enrollment or coverage verification — impersonating UnitedHealth, Aetna, BCBS, or Cigna. Real SBC documents are mailed annually or posted to the member portal; insurers NEVER send cold inbound emails demanding re-enrollment or credential entry. Detection: SBC/summary of benefits vocabulary + re-enroll/coverage-verification action + insurer brand reference + sender NOT on official insurer domain allowlist (uhc.com, aetna.com, anthem.com, bcbs.com, cigna.com) + no In-Reply-To + no List-Unsubscribe. Trash score: +4. Source: GC1-R18; HHS OCR phishing advisory 2025; FTC health insurance fraud report.","tier":"danger","category":"phishing","isThin":false}}