Benefits of Enrollment

Receive a free two-year membership in credit monitoring and identity theft protection services from Experian*

Individuals over 18 who receive a notification letter from CareFirst are eligible to enroll in ProtectMyID coverage. Each individual receiving a letter must enroll themselves as the enrollment process requires personal information. If you have dependents under 18 who were affected by this event, you will receive a separate letter on their behalf with directions on how to enroll in additional coverage through the Family Secure service to help protect their identities.

ProtectMyID for adults

Every affected adult may enroll in ProtectMyID services for two years (24 months). Membership gives you access to the following benefits free of charge:

• Your Experian Credit Report
• Daily monitoring of your Experian, Equifax and TransUnion credit reports for 50 potential indicators of fraud
• Alerts for new accounts or potential fraud indicators across all three of your credit reports
• Identity Theft Resolution Assistance – Experian’s dedicated Identity Theft Resolution agent who will walk you through the process of fraud resolution from start to finish. They will investigate each incident; help with contacting credit grantors to dispute charges and close accounts including credit, debit and medical insurance cards; assist with freezing credit files; contact government agencies. They can also assist with medical fraud.
• It is recognized that identity theft can happen months and even years after a data breach. To offer added protection, you will receive ExtendCARE™, which provides you with the same high-level of Fraud Resolution support even after your ProtectMyID membership has expired, including support for medical fraud issues.
• $1 Million Identity Theft Insurance that covers certain costs including, lost wages, private investigator fees, and unauthorized electronic fund transfers.

Family Secure product for minor dependents

If you have received a letter on behalf of dependents under 18 who are affected by this event, one adult in your household also can enroll in two years (24 months) free membership in Family Secure. One membership will cover any affected dependent. For the highest level of coverage, any affected adult receiving a letter should also enroll in ProtectMyID membership.

Parent or Legal Guardian receives the following benefits:

• Daily monitoring of your Experian credit report with email notification of key changes, as well as monthly “no-hit” reports
• 24/7 credit report access: Unlimited, on-demand Experian reports and scores
• Experian credit score illustrator to show monthly score trending and analysis

Children receive:

• Monthly monitoring to determine whether enrolled minors in your household have an Experian credit report
• Alerts of key changes to your children’s Experian credit report

All Members:

• Identity Theft Resolution Assistance – Experian’s dedicated Identity Theft Resolution agent who will walk you through the process of fraud resolution from start to finish. They will investigate each incident; help with contacting credit grantors to dispute charges and close accounts including credit, debit and medical insurance cards; assist with freezing credit files; contact government agencies. They can also assist with medical fraud.

Obtain a copy of your credit report

You can obtain a copy of your credit report, free of charge, directly from each of the three nationwide credit reporting agencies. To order your credit report, free of charge once every 12 months, please visit www.annualcreditreport.com or call toll free at 1-877-322-8228. Contact information for the three nationwide credit reporting agencies is as follows:

Notify your financial institution immediately of any unauthorized transactions made or new accounts opened in your name.

If you believe you are the victim of identity theft or have reason to believe your personal information has been misused, you should immediately contact the Federal Trade Commission and/or the Office of the Attorney General in your home state. Contact information for the Federal Trade Commission is as follows:

Federal Trade Commission
600 Pennsylvania Avenue,
NW Washington,DC 20580
http://www.ftc.gov/idtheft
1-877-438-4338

You can obtain information from these sources about steps an individual can take to avoid identity theft as well as information about fraud alerts and security freezes. You should also contact your local law enforcement authorities and file a police report. Obtain a copy of the police report in case you are asked to provide copies to creditors to correct your records.

Monitor your Explanation of Benefits

Review your Explanation of Benefits (EOB) from CareFirst. If you see services listed on your EOB that you have not received, please contact us immediately.