This woman I know lets her 23 year old son have back surgery even when
the doctor told him to wait until he was older. She tells him to have
it done anyway she'll file it with insurance then take his father to
court and make him pay the medical bill,get the money from insurance
and her ex-husband then file for bankruptcy on the hospital bill.
Is this insurance fraud and fraud against the courts since she is
using the court to get money for something that isn't going to be paid
anyway?
If this is fraud in either case I would like to know what I need to do
to turn her in. Thank You!

It doesn't seem likely to me that any court is going to hold a father
to be legally responsible for the medical bills of a 23-year-old son.

If he's a full time student, he's probably covered under her
insurance.  Maybe the divorce decree gives a specific age.

What sort of mother would profit off the medical problems of her own
child?  Can you imagine the lying she will have to do?  For starters,
once in court with her ex-husband and once in court for bankruptcy. 
She's either very smart or incredibly stupid.

Don't know where you are located, but I'd try to find an insurance
fraud hotline at the State.  Then maybe a call to the County
prosecutor.  He or she might point you in the right direction.

This child is not a student.He has a college education and lives at
home with his mother.The judge in the matter says that age doesn't
matter but according to state law it does. Lawyer says it up to the
judge he can do anything he wants.Have tried everything contacting
attorney general in my state, senator from my state,prosecutor,you
name it.Don't know what else to do.
Advice from me,don't get married,have children and get divorced in
Indiana,especially if you are a man because you'll get screwed
everytime,and I'm just the stepmother to these kids.

More than likely if she gets the money and the insurance has already
paid then the insurance company will try to get the money back.

IT is unclear if the operation has already been done.  I hope not.

Why would the son submit to back surgery against the doctor's recommendation?
If the surgery, hospital costs, etc., are so expensive to make the
mother contemplate this, I imagine that the doctor and hospital would
insist on proof of future payment prior to accepting the case, and the
insurance company would insist on custification for the operation.
Would the insurance company pay the money to the mother rather than
paying it directly to the hospital, doctor, etc.?
Similarly, a responsible surgeon would/should not perform the
operation if it is not called for.  If he does it anyway, I expect
that he would be especially careful to know that it will be paid for.

The scenario seems very improbable, but that is why the question was posted.

I think there is some information missing here.  Are you married to
the father of the son?  Do you have proof of the facts, or are you
suspicious that this fraud has occurred or will occur?

I think the best you can do contact the judge and give him as much
information as you have.  He or she is going to want solid evidence. 
The better the evidence, the more likely he will be to act on your
concerns.

I'm afraid the acrimony has gotten bad, and neither party is thinking rationally.