Adding spouse to work insurance

[jnjb7071]

Moralistically, I know that this is wrong. But circumstances force me to at least think about doing it.

My company knows that my fiance and I are getting married soon, it was scheduled for two weeks from now. It has now been pushed back 6 months (they dont know that). We believe my fiance to be bi-polar (on two diffrent occasions a "family practice" doctor has said he blieves this the case and given her samples of two diffrent types of bi-polar medication, neithr of which have stopped the mood swings and sleeping ALL DAY LONG) and we cant afford the private insurance to see a physicatric doctor and his prescribed medications. I went to my HR and asked what is it I will need to do to add her and her daughter once we are married and they replied, fill out this form (the form asks for birth dates, names, social security number, and a HMO/PPO doctor), and give us (my HR) the active date. No proof of marriage, or marriage license, blood test or anything I said, they said no, a simple email and filling out which HMO doctor you want is all you need. (BTW: My fiance and I are prepared to cross into Nevada and do it if we have to, but would perfer to wait unti the date with all the things a wedding should have). So here is my question, I already know by even considering I am a louse. but what are the legal implications, does a insurance provider even check? Sounds like the company doesn't. When I came to this company, I also wasn't married 3 years ago, and when I added that wife (who never even changed her real last name to mine) (I've been divorced for some time now) they asked for nothing to prove it, so knowing that, and knowing that they are not going to ask now, and from someone who is living a roller coaster of a life with a bi-polar depressed human being he loves and would do anything for, some replies here would would be apperciated. I am of the impression I should just add her as my spouse and pay the 135 "family" plan with my insurance provider, knowing that soon enough she will legally be my wife. Thanks

jnjb7071

 

[loku]

From what you say, it is possible that neither your employer nor the insurance company will check to find out if you are married. However, if either of them does check, which could certainly happen if there was a large claim, you could be found guilty of insurance fraud, because lying in order to obtain insurance coverage is insurance fraud. In that case, at the very least, you would lose the insurance coverage. The other possible implications are probably obvious: you could lose your job and you could end up with some sort of criminal penalty or fine.

If you want more detailed specifics, you might try posting your question on our insurance board, which is somewhat more related to your question. The following link is to that board:
https://forum.freeadvice.com/forumdisplay.php?forumid=16