Is it insurance fraud to get divorced, then remarry the same person so you can add them and children to policy?
Thursday, 3. June 2010
Last year, I took a new job and a pay cut. One of the ways we planned to offset my pay cut was by using my employer’s sponsored healthcare plan, which is a difference between $260/month for mine and $480 for his. Also, my co-pays are alot less, $10 per visit verses $30. Everything is less out of pocket from prescriptions to lab work to deductables to maximum out of pocket.
My husband is court ordered to carry insurance through his employer for is two children. My coverage would also cover them but with a better plan. The insurance company is actually the same, so are the doctors listed in the PPO, but his x, the children’s mom wouldn’t agree to let us change insurance without us agreeing to be solely responisble for the cost of healthcare until the children are 18. We can’t do that. And we can’t afford to keep both coverages.
My insurance would actually put more money in her pocket because right now we share the cost of co-pays and other non-covered expenses and with my plan they would be less. Also, child support would increase because the cost of insurance is deducted from my x’s income, so she would see a 28% of the savings between the two plans.
The main reason she wouldn’t agree was because she had filed some frivolous contempt charge against him and lost a few months before all this came up and was trying to get even. She didn’t believe me when I told her that there was no open enrollment at my new employer unless you have a qualifying event, like a marriage or a divorce.
So now we are thinking about getting divorced to get remarried so I can add them to my policy, that is if the x will now agree to let me cover the children. She isn’t as mad anymore. Would that be insurance fraud? How do we find out? We don’t want to commit a crime or anything.