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Forum
-> Household Management
-> Finances
amother
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Mon, Oct 07 2024, 10:52 pm
I live in NY and want Fidelis NJ since I'd like to use an ob in NJ. Can I just use a relatives address in NJ and claim I live there? How can I get onto NJ coverage?
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amother
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Mon, Oct 07 2024, 10:54 pm
That's called insurance fraud. You can get jail time if you're caught.
Plus you would have no coverage at all for any new York doctors.
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amother
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Mon, Oct 07 2024, 10:55 pm
amother Feverfew wrote: | That's called insurance fraud. You can get jail time if you're caught.
Plus you would have no coverage at all for any new York doctors. |
How would they find out?
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amother
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Mon, Oct 07 2024, 10:56 pm
They can find out because you do live in New York. And you're using other services in New York. You probably won't get awarded it. But if you do, you can easily get caught.
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amother
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Mon, Oct 07 2024, 10:58 pm
amother Feverfew wrote: | They can find out because you do live in New York. And you're using other services in New York. You probably won't get awarded it. But if you do, you can easily get caught. |
Can't I have a second home?
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amother
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Mon, Oct 07 2024, 10:58 pm
What you’re describing is 100% fraud
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amother
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Mon, Oct 07 2024, 10:59 pm
Even if you had a second home (which it doesn’t sound like you do) you have only one primary residence
Don’t take our word for it. Ask your Rav and report back here to let us know his opinion
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gottago
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Mon, Oct 07 2024, 11:05 pm
Is that relevant? Is sheker only wrong if someone will find out?
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amother
Sage
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Mon, Oct 07 2024, 11:08 pm
If they find out you can end up in jail or best case scenario you’d owe them tons of money.
You can only have one address as a primary residence.
You would need to change your license, vote in NJ, and a host of other things.
They absolutely can find out- it’s happened before to frum people.
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amother
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Mon, Oct 07 2024, 11:09 pm
Try gettinv on to straight medicaid instead of Fidelis. They cover care in surrounding areas regardless if NY or NJ.
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NotFunny
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Mon, Oct 07 2024, 11:18 pm
amother Amaranthus wrote: | Try gettinv on to straight medicaid instead of Fidelis. They cover care in surrounding areas regardless if NY or NJ. |
Not so simple.
A) unless you have a waiver, you generally need to have a managed care plan.
B) not all (out of state) hospitals will accept NY Medicaid. Some do, and for that it is generally easier to work with straight Medicaid, but again, they don’t all.
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amother
Lilac
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Mon, Oct 07 2024, 11:19 pm
amother Amaranthus wrote: | Try gettinv on to straight medicaid instead of Fidelis. They cover care in surrounding areas regardless if NY or NJ. |
The majority of doctors don't accept straight Medicaid
Not likely that the ob that op wants to use takes it
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amother
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Tue, Oct 08 2024, 12:22 am
amother Lilac wrote: | The majority of doctors don't accept straight Medicaid
Not likely that the ob that op wants to use takes it |
I think they can cover bills you receive as personal bills, fwd to Medicaid and they will pick up the tab.
Valley Hospital accepts it.
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amother
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Tue, Oct 08 2024, 12:25 am
NotFunny wrote: | Not so simple.
A) unless you have a waiver, you generally need to have a managed care plan.
B) not all (out of state) hospitals will accept NY Medicaid. Some do, and for that it is generally easier to work with straight Medicaid, but again, they don’t all. |
No need for waiver. You can be on straight Medicaid
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out-of-towner
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Tue, Oct 08 2024, 12:29 am
amother Lilac wrote: | The majority of doctors don't accept straight Medicaid
Not likely that the ob that op wants to use takes it |
That's not true that doctors don't take it, but unless you have an exemption (like a Waiver), you are required to have an HMO.
Unfortunately if you are on Medicaid or the like, you can only be covered for emergencies in other states. The Medicaid funding goes by state. That's just reality.
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NotFunny
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Tue, Oct 08 2024, 12:43 am
Afaik the only way to be on straight Medicaid is if you either have a primary private insurance or have a waiver.
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