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Medical Clinic Owner in Miami Charged with Insurance Fraud Scheme

Wednesday, July 2, 2025 by Ethan Navarro

An undercover operation led to the arrest of Alex Borrero, aged 62, the proprietor of H. Miami Medical Clinic, on Tuesday. This case unveiled a sophisticated insurance fraud network operating within the city. The arrest was executed following a raid coordinated by Miami police and FBI agents at the clinic located at the intersection of West Flagler Street and Southwest 40th Avenue, in the Flagami neighborhood.

The police report, referenced by local media, indicates that this arrest is part of a broader investigation into a criminal network dedicated to staging car accidents to fraudulently claim nonexistent medical treatments from insurance companies. According to an undercover agent, the operation aimed to "curtail the insurance fraud occurring in Miami," a crime causing significant financial losses to both the healthcare system and the insurance industry.

Authorities revealed that Borrero allegedly ran a scheme where car crash reports were fabricated, followed by false medical claims for injuries at his clinic. These treatments were never administered, and often the supposed patients had no actual injuries.

Unraveling a Fraudulent Network

"The victim, being the insurance company, noticed a small group repeatedly involved in multiple accidents and always receiving some form of medical assistance afterward," explained Manny Morales, the Miami Police Chief.

During the raid, several agents were seen questioning a woman inside a patrol car, although her potential charges remain unconfirmed. The operation included federal agents working alongside local police to execute the arrest warrant and gather evidence at the clinic.

When confronted by the media, Borrero—whose original nationality remains undisclosed—merely stated in Spanish, "it was just an investigation," offering no further details or denial of the allegations.

Expanding Case: More Arrests Expected

This is not the only arrest linked to the case. Back in June, two individuals, identified as Rodylaidi Martínez (30) and Greter Aguirre Guerra (24), were also detained in connection with the same fraudulent scheme. Both are believed to have been involved in fabricating medical records and orchestrating claims with insurance firms.

The police have not ruled out additional arrests, as the investigation continues. "We are tracking the money trail and examining all transactions related to these claims," mentioned a police source who requested anonymity due to the ongoing nature of the operation.

Endemic Issue in South Florida

Insurance fraud, especially involving staged auto accidents, has long been a persistent issue in South Florida. Cases like that of H. Miami Medical Clinic highlight systemic vulnerabilities that organized networks exploit for illicit profit. Through this operation, authorities aim to send a clear message: combating fraud is a top priority.

"These crimes affect everyone: they drive up insurance premiums and undermine the integrity of the medical system," concluded Manny Morales. The investigations are ongoing, and Borrero is expected to face multiple charges, including organized fraud, document forgery, and insurance fraud, which could result in substantial prison time if convicted.

Insurance Fraud in Miami: Key Questions Answered

What led to the arrest of Alex Borrero?

An undercover operation exposed a complex insurance fraud scheme, leading to the arrest of Alex Borrero, the owner of H. Miami Medical Clinic.

How did the fraud scheme operate?

The scheme involved fabricating car accident reports and submitting false medical claims for treatments that were never provided.

Are more arrests expected in this case?

Yes, the police have indicated that additional arrests may occur as the investigation continues.

Why is insurance fraud a significant concern in South Florida?

Insurance fraud, particularly staged auto accidents, has been a long-standing issue, causing financial losses and impacting insurance premiums.

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