Will I Lose My Health Insurance If My Address In My Claim Doesn’t Match the One on File?

In April 2021, my husband and I moved from an condo parents own into their family home in a neighboring state. Neither of us is employed due to health reasons and my parents cover the monthly costs of our CareFirst Blue Cross Blue Shield plans we got from the exchange in our old state of residence. However we never bothered to apply for health insurance in our new state even after we changed addresses, because we were going through a very stressful time health wise and didn’t want to deal with the complications of applying for a new plan with a potential gap in coverage.

Fast forward to now and I have been receiving some costly psychiatric treatments which are not directly reimbursed by any insurance, and now that I am considering submitting my bills for reimbursement, I have a dilemma. I obviously want to recoup some of the costs, but I am concerned that when I attach and submit the required documentation of my bills, the fact that my address is listed as my current residence rather than the one on file gives me pause because I am concerned that this will result not only in a denial of coverage, but in me actually losing my insurance plan altogether before the next open enrollment period begins, and I have a major abdominal surgery which is likely to be scheduled before then, which would be just about the worst time I could imagine to lose coverage.

I am also concerned that furthermore this could damage my prospects of purchasing a new plan with the same insurer on the exchange in my new state come November when the next open enrollment begins, or that even worse, this could get retroactively deemed a case of insurance fraud which would land me in some kind of legal trouble.

Am I just being dramatic about something that likely wouldn’t become a problem at all or is there actually something substantial to any of my fears? Since my parents still own our old residence, I could plausibly say I told the medical office that my current address was at my parents’ house because we are often here unpredictably for extended stays taking care of them but that we still spend most of half of our time there. But the thing is, my husband and I also have ID cards for this state which might show up if someone wanted to make a legal case out of this so I just don’t know what the right thing to do is.

Clearly it was a huge oversight on my part to tell the medical office that my address was here rather than there, so I suppose I could just pass it off as an error I made due to thinking we were actually going to move here and I just never bothered to correct it. But by then it might already have triggered a more serious investigation into uncovering our official state of residence.

In any case, what are the odds I’m risking some serious consequences by submitting my bills for reimbursement?