Abstract: Systems, methods and computer program products for discouraging and preventing health care-related insurance fraud are disclosed. In an aspect, an insured (e.g., Medicaid) beneficiary identity validation eligibility verification tool is provided that identifies Medicaid beneficiaries using biometrics and verifies their Medicaid eligibility electronically each time they visit a health care provider who participates in the Medicaid program. In such an aspect, an electronic encounter record is created between the provider and the validated and verified beneficiary each time health care services are rendered. The tool of the present invention thus enables insurance companies, regulatory bodies and the like to match submitted claims to captured encounter records as proof that the beneficiary did visit the provider in question on the reported date of service.