I received a statement of benefits from the insurance company. It appears that my doctor is submitting claims for payment to my insurance company for procedures that were not performed on me. I'd like to give him the benefit of the doubt that it was a mistake or clerical error, but it has happened twice now. I told the insurance company and they are investigating it. Who else should I report this too? Thats why my premiums keep rising. Its especially difficult to pay for health insurance as a student.