A Richland County man faces four insurance fraud charges after being suspected of making bogus claims totaling more than $140,000 over several years.
According to the South Carolina Law Enforcement Division, Jacob Nathaniel Lockhart, 38, was charged Wednesday with three counts of filing false claims for insurance payments totaling more than $2,000 but less than $10,000.
The South Carolina Department of Insurance requested the investigation. Lockhart was booked into the Alvin S. Glenn Detention Center in Richland County, and the South Carolina Department of Insurance will prosecute the case.
Investigators believe that between July 8, 2022, and January 12, 2023, Lockhart filed more than ten phony insurance claims with Aetna Insurance Company. Authorities allege that he altered medical bills by inflating the amount charged and creating 11 additional medical bills for dates when the patient did not meet with the therapist. The claims apparently totaled over $6,000.
A second warrant asserts that between January 1 and January 31, 2023, Lockhart filed more than 30 fake insurance claims with Aetna. Investigators claim he manipulated therapy invoices by increasing expenditures and creating bogus bills for therapy sessions that never took place. The false claims allegedly amounted to more than $14,000.
Another warrant alleges that between January 2024 and April 2025, Lockhart submitted more than 80 false claims to Aetna by altering bills for dates when he had not met with the therapists. Investigators claim that these claims amounted more than $100,000.
In a fourth case, investigators claim that on or around May 19, 2025, Lockhart created a fictitious doctor’s excuse for a medical visit that never took place and submitted it to Jefferson Insurance Company as part of a travel insurance claim. Police said they confirmed with the doctor’s office that the excuse was false and that no visits were recorded in Lockhart’s medical records. Police said the claim sought more than $20,000 in travel insurance benefits.
According to the warrants, the claims are supported by witness accounts, submitted medical bills, electronic communication logs, and an allegedly false doctor’s justification.
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