Dentist Michael D. Egan Sentenced to 2½ Years for $1.2 Million in Medical Care Loans for Dental Work Never Done

Case from 2022 (U.S. Attorney's Office latest release: Nov. 2, 2022). Published on Scammers.com Oct. 16, 2026; case status is current as of that date.

Michael D. Egan, 57, of Orland Park, Illinois, ran a dental practice in Tinley Park. He was sentenced Nov. 1, 2022, to two and a half years in federal prison for obtaining $1.2 million in medical care loans for dental work he never performed, the U.S. Attorney's Office for the Northern District of Illinois announced [1]. He pleaded guilty in 2022 to wire fraud before U.S. District Judge Edmond E. Chang.

How the scheme worked

According to the U.S. Attorney's Office [1] [2]:

1. Loan applications. In 2015 and 2016, Egan sent a lending company applications for medical care loans that were supposed to pay for certain patients' dental care.
2. No dental work. He knew he would not do the work, and he did not.
3. Padding the loans. In some cases, after a loan was approved, he got the amount raised by falsely telling the lender more work was needed, when no treatment at all would be done.
4. Splitting the money. The lender paid Egan directly. He passed part of the money to the supposed patients and to recruiters who found people to apply.

The person sentenced

Michael D. Egan, 57, Orland Park, Ill. [1]

• Charge: wire fraud, filed by information on Jan. 25, 2022 [2].
• Plea: guilty (2022).
• Sentence: 2½ years in federal prison, imposed Nov. 1, 2022.
• Investigation: FBI Chicago.

Red flags

• A recruiter offering cash to apply for a medical or dental loan for treatment you won't receive.
• A provider who asks you to sign financing papers for more treatment than you agreed to.
• Loan or credit statements for procedures you never had.

What to do

1. Never sign up for patient financing for care you don't intend to receive. You may be on the hook for the debt and could face legal exposure.
2. Check your credit report at annualcreditreport.com for medical credit accounts you don't recognize.
3. Report suspected fraud to the lender, the Illinois Department of Financial and Professional Regulation (which licenses dentists), and the FBI at tips.fbi.gov.

Case status (as of Oct. 16, 2026)

Defendant	Court	Status as of Oct. 16, 2026	Source
Michael D. Egan, 57, Orland Park, Ill.	N.D. Ill.	Pleaded guilty to wire fraud (2022); sentenced Nov. 1, 2022, to 2½ years	[1], [2]

Sources

1. U.S. Attorney's Office, Northern District of Illinois, "Suburban Chicago Dentist Sentenced to Two and a Half Years in Federal Prison for Orchestrating $1.2 Million Fraud Scheme," Nov. 2, 2022. https://www.justice.gov/usao-ndil/pr/suburban-chicago-dentist-sentenced-two-and-half-years-federal-prison-orchestrating-12
2. U.S. Attorney's Office, Northern District of Illinois, "Suburban Chicago Dentist Charged With Orchestrating $1.2 Million Fraud Scheme," Jan. 26, 2022. https://www.justice.gov/usao-ndil/pr/suburban-chicago-dentist-charged-orchestrating-12-million-fraud-scheme

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