Would it be legal to not file a claim on my primary insurance and use my secondary insurance?

Would it be legal to not file a claim on my primary insurance and use my secondary insurance?

I wanted to get insurance with my employer for the primary purpose of getting a HSA. My company promises to contribute $600 dollars because of some heath incentive plan I have completed. And match my contributions. I am having a baby a month after my insurance kicks in. At that time I was going to cancel my insurance due to a life changing event. The catch would be that my employers insurance has a high deductable and I don’t want to pay for it. My current insurance through my husband has had is deductable already paid and the fees for child birth should be paid for 100%. If I never file a claim on my primary insurance and use secondary is that fraud?

Asked on May 23, 2014 under Insurance Law, Ohio

Answers:

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