Wellbeing Bonus Boost is a fraudulent operation masquerading as a health insurance assistance platform. Promoted heavily on social media and YouTube, this scam preys on vulnerable individuals in the U.S. by promising unrealistic benefits like $0 health plans.
In this article, we’ll dissect its deceptive tactics, expose its lack of legitimacy, and provide safer alternatives for securing health coverage.
Understanding Wellbeing Bonus Boost’s Claims
The website https://www.wellbeingbonusboost.com/ positions itself as a gateway to free health insurance and premium tax credits.
Visitors are lured with phrases like “Check Eligibility For $0 Health Insurance Plan” and guided through a multi-step form.
However, the process is engineered not to help users but to harvest personal data for malicious purposes.
Critical Red Flags Proving Wellbeing Bonus Boost is a Scam
Total Lack of Transparency About Ownership
Legitimate health insurance services operate with clear accountability. They list their parent company, physical address, and team credentials. Wellbeing Bonus Boost hides all such details.
The website vaguely references “Lower Bills USA” without explaining who operates it, where it’s based, or how it’s funded. This deliberate anonymity is a hallmark of scams.
No Regulatory Licenses or Compliance
In the U.S., health insurance brokers must be licensed by state regulatory bodies and comply with federal laws.
Wellbeing Bonus Boost admits no affiliation with Medicaid, Medicare, or the Affordable Care Act (ACA).
It is also unregistered with the National Association of Insurance Commissioners (NAIC), a key oversight body. Operating without licenses makes the platform illegal and untrustworthy.
Deceptive Data Collection Process
The website’s form is a classic example of phishing disguised as assistance. Users are asked to provide:
- Age range
- Monthly income
- Medicaid status
- Household size
- Full name, phone number, email, and gender
After submitting this sensitive data, nothing happens. There’s no confirmation, no follow-up, and no actual help with insurance.
Instead, the fine print reveals that user data is sold to third-party marketers, leading to spam calls, texts, and emails—even if users are on the Do Not Call Registry.
Fake Promises of Government Benefits
Wellbeing Bonus Boost manipulates users by falsely claiming they qualify for “$5,000 in benefits” due to government programs.
These claims mimic legitimate subsidies like the ACA’s Premium Tax Credit but lack any official backing.
The website’s ads exploit public frustration, suggesting “migrants received aid, so it’s your turn”—a tactic designed to provoke urgency.
Aggressive and Misleading Advertising
The scam relies on YouTube and social media ads that impersonate legitimate health insurance campaigns.
These ads use emotional triggers, such as families struggling with medical bills, to bait viewers.
Despite violating platform policies against deceptive marketing, the ads remain active, highlighting gaps in content moderation.
User Reviews and Complaints Highlighting the Scam
Reports of Fake Phone Support
Multiple users on Scam Adviser noted that calls to +1 (888) 777-1758 led to hang-ups or busy signals.
One reviewer wrote: “Every time I tried to call, the phone got hung up… If they are legit, they sure know how to look like a scam.”
Security Warnings About the Website
Several users reported that their antivirus software blocked access to the site, flagging it as unsafe.
One stated: “My antivirus warned me the site is not safe. If it sounds too good to be true, it probably is.”
Bait-and-Switch Tactics
After submitting their data, users are bombarded with unrelated marketing calls—not health insurance assistance.
A victim shared: “They hang up once they realize you won’t change your medical coverage. It’s just a ploy to sell your info.”
Social Media Platforms Enabling the Scam
Reviewers criticized YouTube and other platforms for hosting Wellbeing Bonus Boost’s ads.
One user questioned: “Why are they allowed to post fake ads mimicking government programs?” This highlights how scammers exploit lax ad verification systems.
How the Wellbeing Bonus Boost Scam Operates
Step 1: Enticing Ads on Trusted Platforms
The scam uses polished video ads on YouTube and Facebook, often featuring actors posing as “benefit experts” or “satisfied users.” These ads redirect viewers to the website using urgency-driven language like “Limited-Time Offer.”
Step 2: Phishing Through Fake Eligibility Checks
The website’s form mimics legitimate insurance applications but serves only to collect personal details.
Questions about income and household size are irrelevant to Medicaid or ACA eligibility, which have stricter verification processes.
Step 3: Selling Data to Third-Party Marketers
User data is packaged and sold to telemarketing firms, lead generators, and even identity theft rings.
Victims report incessant spam calls about loans, credit cards, and other unrelated services.
Step 4: Evading Accountability
With no official contact details or physical address, Wellbeing Bonus Boost operates in the shadows.
Victims cannot file complaints or demand data deletion, leaving them vulnerable to long-term harassment.
How to Identify and Avoid Health Insurance Scams
Verify Licensing and Registration
Always check if a broker is licensed through your state’s Department of Insurance website. Legitimate agents will provide their license number upon request.
Beware of “Free” Health Insurance Offers
Genuine $0 premium plans are available only through Medicaid or ACA subsidies—and require rigorous eligibility checks. If a service promises instant approval, it’s likely a scam.
Guard Your Personal Information
Never share your Social Security number, bank details, or Medicare ID unless you’ve confirmed a service’s legitimacy. Legitimate brokers will never ask for sensitive data upfront.
Research Before Trusting
Search for the company’s name alongside keywords like “scam” or “reviews.” Wellbeing Bonus Boost’s 2.4/5 rating on Scam Adviser and lack of Better Business Bureau (BBB) profile are immediate red flags.
Legitimate Alternatives for Health Insurance Assistance
Healthcare.gov: The Official Marketplace
The Affordable Care Act (ACA) Marketplace offers subsidized plans based on income, household size, and location.
Open enrollment periods are annual, but special enrollment may apply for life events like job loss.
State Medicaid and CHIP Programs
Medicaid provides free or low-cost coverage to low-income individuals, while the Children’s Health Insurance Program (CHIP) covers minors. Eligibility criteria are strict but transparent.
Nonprofit Assistance Programs
Organizations like Families USA and local patient advocacy groups offer free guidance on navigating insurance options. They do not charge fees or sell data.
Licensed Insurance Brokers
Use the NAIC’s Consumer Insurance Search Tool to find licensed brokers in your area. These professionals are legally bound to act in your best interest.
What to Do If You’ve Been Scammed
Report to Federal and State Agencies
File complaints with the Federal Trade Commission (FTC) at ReportFraud.ftc.gov and your state’s Attorney General office. This helps authorities track and shut down scams.
Monitor Your Accounts and Credit
If you shared financial details, contact your bank to flag suspicious activity. Request free credit reports via AnnualCreditReport.com to check for identity theft.
Use Call-Blocking Tools
Register your number on the National Do Not Call Registry and use apps like Nomorobo to block spam calls.
Final Thoughts: Stay Vigilant Against Insurance Scams
Wellbeing Bonus Boost is a dangerous scam exploiting the healthcare anxieties of Americans.
Its lack of transparency, predatory data harvesting, and fake promises confirm its illegitimacy.
Always verify insurance services through official channels and report suspicious activity to protect yourself and others.
Remember: Your health and personal data are invaluable. Trust only licensed, reputable providers to safeguard both.
Check Similar Services Website Review: Is Adzuna Legit?
Frequently asked Questions
How does Wellbeing Bonus Boost trick users?
The scam uses fake eligibility forms to collect personal data, which is sold to third-party marketers. Victims receive spam calls instead of insurance help.
Is Wellbeing Bonus Boost affiliated with the government?
No. The website falsely implies ties to government programs but has no official licensing or partnerships.
Can I trust ads promoting “$0 health insurance” on YouTube?
Always verify through official channels like Healthcare.gov. YouTube ads are not vetted for legitimacy.
Are there real $0 premium health plans?
Yes, but only through Medicaid or ACA subsidies. Eligibility requires proof of income and residency.
Can I sue Wellbeing Bonus Boost for fraud?
Class-action lawsuits are possible, but the operators’ anonymity makes legal action challenging.