It’s unlikely that your healthcare provider will call you to demand payment over the phone without first sending you a letter or a paper bill. The FBI says that healthcare fraud can affect anyone and ranges from scammers impersonating healthcare providers to fraudulent claims that you owe a balance on a nonexistent bill.
And, yes, you actually should be wary of the person on the other end of a phone call who claims to be from your bank, or from your workplace, or from an online tech company calling you to “verify your personal information,” or asking you to hand over a security code that was sent to your phone.