Which of the following is a clear example of medical identity theft?

Using someone else's health insurance numbers is indeed a clear example of medical identity theft because it involves assuming another individual's identity in relation to their health insurance. This can lead to unauthorized access to benefits, possibly leading to significant financial repercussions for the victim, such as having their insurance records tainted with incorrect information, which can interfere with their future healthcare access and coverage.

In the case of filing false claims for services not rendered, while this is fraudulent activity, it may not necessarily imply the use of someone else's identity directly. Similarly, creating fake medical records involves fraudulent activity but does not always encompass the identity theft aspect if it does not involve using someone else's identity. Accessing health records without permission pertains more to privacy violations and may not involve using another individual’s identity directly. Therefore, using someone else's health insurance numbers represents an actual act of medical identity theft in a straightforward and clear manner.