In telephone calls carried out in Chinese, the scammers reel in targets under the pretense that they have unpaid bills related to recent surgical procedures. They use spoofed telephone numbers belonging to the claims departments of legitimate US health insurance providers to add a layer of authenticity to the scam, but that authenticity quickly evaporates. If, for some reason, targets entertain the conversation about paying for a surgery they almost certainly did not receive, the scammers get them to join a video call.
These criminals didn't just steal someone else's money. They stole from you. Every fraudulent claim, every fake billing, every kickback scheme represents money taken directly from the pockets of American taxpayers.