Which situation would NOT be classified as insurer health care fraud?

The situation where an intermediary detects fraudulent claims does not fall under the classification of insurer health care fraud because it involves the identification of wrongdoing rather than the perpetration of fraud. In this context, the intermediary is acting as a safeguard within the system, working to ensure that legitimate claims are processed and that fraudulent activities are identified and addressed.

Health care fraud typically involves actions taken by individuals or organizations aimed at stealing money or services from insurers through deceitful means. In contrast, detecting fraud indicates a proactive approach in preventing it, thus maintaining the integrity of the healthcare system. The other scenarios involve actions that could lead to fraudulent benefits or losses for the insurer, thereby categorizing them as legitimate health care fraud instances.