Unwitting Doctors and Patients Exploited in a Vast Billing Fraud
Government fraud investigators are trying to unravel widening scheme in which phony medical bills using names of unsuspecting patients and doctors are being submitted to private insurers; say fake bills are sent out by fictitious companies that pretend to be medical practices or their billing agencies; say these entities operate for few weeks, using postal boxes for their return addresses, then shut down and reopen elsewhere under different names; estimate that fraud has already resulted in over $1 billion in fake claims to scores of insurers; photo (M)