What Fidelis Care Actually Covers (It's Not Car Insurance)

Fidelis Care is health insurance, not car insurance

Fidelis Care is a health insurance plan, not a car insurance provider. If you arrived here looking for information about auto coverage, you're in the wrong place. Fidelis Care covers medical expenses — doctor visits, hospital stays, prescription drugs, preventive care — for individuals and families in New York, New Jersey, and Delaware.

The confusion sometimes happens because people search for "Fidelis Care insurance" without specifying the type. But Fidelis Care has nothing to do with vehicles, driving, accidents, or liability on the road. It's a managed care organization that offers health plans through public programs and private enrollment.

If you need car insurance information, you'll want to look at providers that specialize in auto coverage — companies like State Farm, Geico, Progressive, or your state's assigned risk pool. Those are completely separate from health insurance.

Key Takeaways

• Fidelis Care is a health insurance company that covers medical care, not vehicle-related expenses or auto liability.
• Fidelis Care operates in New York, New Jersey, and Delaware and offers plans through Medicaid, Child Health Plus, and private insurance.
• Health insurance and car insurance are two different products with different purposes and different companies that sell them.
• If you're looking for car insurance, you need to contact auto insurance providers, not health insurance companies.

What Fidelis Care actually covers

Fidelis Care covers the medical side of healthcare. That includes doctor office visits, emergency room care, hospital stays, surgery, lab work, X-rays, and other diagnostic tests. Most Fidelis Care plans also cover prescription medications, mental health services, and preventive care like annual checkups and vaccinations.

The exact coverage depends on which Fidelis Care plan you have. Someone on a Medicaid plan through Fidelis Care has different coverage than someone on a private plan. But across all of them, the focus is on paying for healthcare services — not transportation, property damage, or liability related to vehicles.

The types of Fidelis Care plans available

Fidelis Care offers several different health insurance products. Medicaid plans are for individuals and families with lower incomes who meet New York, New Jersey, or Delaware income limits. Child Health Plus is a separate program for children whose families earn too much for Medicaid but may not have other coverage options.

Fidelis Care also sells private health insurance plans on the individual market, including plans sold through the New York State of Health marketplace (the state's health insurance exchange). These are for people who don't have coverage through an employer and don't meet Medicaid income limits.

Additionally, Fidelis Care offers Medicare Advantage plans for people age 65 and older who are enrolled in Medicare. These are still health insurance — they replace Original Medicare with a managed care alternative — but they're not car insurance.

Why health insurance and car insurance are separate

Health insurance and auto insurance serve completely different purposes and are regulated by different government agencies. Health insurance pays for medical treatment when you get sick or injured. Car insurance pays for damage to your vehicle, damage to someone else's vehicle or property, and medical bills if someone is injured in an accident you cause.

A single company almost never sells both. The informed, the networks, the claims processes, and the regulatory requirements are entirely different. Fidelis Care is licensed as a health insurance company in its states. It has contracts with hospitals and doctors. It processes claims for medical services. It has nothing to do with auto claims, vehicle repair, or roadside information.

Where to find car insurance if you need it

If you're looking for auto insurance, search for car insurance companies directly. Major national carriers include State Farm, Geico, Progressive, Allstate, and USAA (if you're military or a veteran). You can also contact your state's insurance commissioner's office for a list of licensed insurers in your state.

In New York, the Department of Financial Services maintains a list of auto insurers. In New Jersey, it's the Department of Banking and Insurance. In Delaware, it's the Department of Insurance. Each state also has an assigned risk pool — sometimes called the "insurer of last resort" — if you're having trouble finding coverage through the regular market.

When you contact a car insurance company, you'll provide information about your vehicle, your driving history, and the coverage limits you want. They'll give you a quote for auto insurance. That's a completely separate transaction from any health insurance you might have.

How to contact Fidelis Care if you have health insurance questions

If you do have a Fidelis Care health insurance plan and need to ask about your coverage, you can reach Fidelis Care directly. The phone number and website are on your insurance card. You can also visit fideliscare.org to log into your account, view your plan details, find in-network doctors and hospitals, or submit questions.

Fidelis Care customer service can tell you what your plan covers, help you find a doctor, explain how to submit a claim, or answer questions about your benefits. But they cannot help you with car insurance — that's not their business.

Frequently Asked Questions

Does Fidelis Care cover car accidents?

Fidelis Care covers the medical treatment you receive if you're injured in a car accident — the emergency room visit, the hospital stay, the follow-up doctor appointments. But it does not cover vehicle damage, liability, or property damage. That's what auto insurance is for. Your car insurance would handle the vehicle damage claim; your health insurance (which may be Fidelis Care) would handle your medical bills.

Can I use Fidelis Care to pay for car repairs?

No. Fidelis Care is health insurance. It pays for medical care only. Car repairs are covered by auto insurance, not health insurance. If your vehicle needs repairs, you'll need to contact your auto insurance company or pay out of pocket.

Is Fidelis Care the same as my auto insurance?

No. They are two completely different types of insurance sold by different companies for different purposes. Fidelis Care is health insurance. Auto insurance is a separate product you buy from a car insurance company. You may have both, but they cover different things and don't overlap.

What should I do if I'm looking for car insurance?

Search for auto insurance companies directly. You can get quotes from State Farm, Geico, Progressive, Allstate, or other carriers licensed in your state. Your state's insurance commissioner's office can also provide a list of insurers. If you're having trouble finding coverage, contact your state's assigned risk pool.

Can Fidelis Care help me find car insurance?

No. Fidelis Care is a health insurance company. They don't sell car insurance and can't help you find it. You'll need to contact auto insurance companies directly or use your state's insurance commissioner's office to find providers in your area.