How Fidelis Care Payments Work and Where to Send Them
Where and how to pay your Fidelis Care bill
Fidelis Care is a health insurance plan, not a utility or subscription service, so payment works differently than most household bills. You do not pay Fidelis Care directly unless you are self-employed or buying a plan outside your employer. If your employer offers Fidelis Care, your premium is deducted from your paycheck before you see it. If you bought a plan through the New York State of Health marketplace, you pay Fidelis Care by mail, phone, or online through their member portal.
The payment method depends on your plan type and how you enrolled. Employer plans are handled through payroll. Individual marketplace plans require you to send payment to Fidelis Care's billing address or use their online payment system. Medicaid plans (Fidelis Care Essential Plan or Child Health Plus) typically have no premium, though you may have copays at the doctor or pharmacy.
Fidelis Care's main billing address for mailed payments is 50 Water Street, New York, NY 10041. You can also pay online by logging into your member account at fideliscare.org, calling their customer service line, or setting up automatic payments through ACH (automatic bank transfer). Payments made by mail typically take 7 to 10 business days to post to your account.
Key Takeaways
- If your employer offers Fidelis Care, your premium is taken from your paycheck automatically and you do not send payment yourself.
- If you bought a plan through New York State of Health, you can pay by mail to 50 Water Street, New York, NY 10041, or online through your member portal at fideliscare.org.
- Medicaid plans through Fidelis Care (Essential Plan and Child Health Plus) have no monthly premium, though you may owe copays when you use care.
- Setting up automatic ACH payments ensures your premium is paid on time each month and reduces the risk of coverage lapsing.
- Late or missed payments can result in a loss of coverage, so contact Fidelis Care immediately if you cannot pay by the due date.
Payment due dates and what happens if you miss one
Your premium is due on the first of each month. If you pay by mail, send your payment at least 10 business days early to account for mail delivery time. If you pay online or by phone, you can pay on the due date itself, though paying a few days early prevents accidental lapses.
If your payment is more than 30 days late, Fidelis Care will send you a notice that your coverage will end. You have a grace period (usually 30 days from the due date) to make the payment and keep your coverage active. If you do not pay within that window, your plan will terminate and you will lose coverage. Restarting coverage after termination requires a new enrollment period or a may have access to life event, which can take weeks.
If you are having trouble paying, contact Fidelis Care before the due date. They can discuss payment arrangements, connect you with financial counseling, or help you understand whether you may have access to for a lower premium based on your current income. Waiting until after you miss a payment makes the situation harder to fix.
How to set up automatic payments
Automatic ACH payments are the most reliable way to ensure your premium is paid on time every month. Log into your member account at fideliscare.org, go to the billing or payment section, and select the option to set up automatic payments. You will need your bank account number and routing number (found on the bottom left of your checks or through your bank's website).
You can choose the date each month when the payment is withdrawn from your account — many people choose a date shortly after payday to ensure funds are available. Once set up, the payment happens automatically and you receive a confirmation email each month. You can change or cancel automatic payments anytime through your member portal.
If you do not have online access or prefer to set up automatic payments by phone, call Fidelis Care customer service and ask to enroll in autopay. They will collect your banking information over the phone and confirm the setup in writing.
Paying by phone or online
To pay by phone, call Fidelis Care's customer service number (found on your bill or member ID card) and have your payment method ready — debit card, credit card, or bank account information. Phone payments are processed immediately, and you will receive a confirmation number. There is no fee for paying by phone.
To pay online, log into your member account at fideliscare.org using your member ID and password. Navigate to the billing section and select "Make a Payment." You can pay with a debit card, credit card, or bank account. Online payments typically post within one business day. Keep your confirmation number for your records.
Both methods are secure and available 24/7. If you have trouble logging in or making a payment online, call customer service — they can walk you through the process or process the payment for you over the phone.
What to do if you cannot afford your premium
If your income has dropped or changed, you may now may have access to for a lower premium or a no-premium Medicaid plan. Contact Fidelis Care or New York State of Health to report your income change. You can update your information anytime, not just during open enrollment, if your circumstances have changed.
If you are enrolled in a marketplace plan and your income is below 400% of the federal poverty level, you may be may be able to access for a tax credit that lowers your monthly premium. If you did not claim this credit when you enrolled, you can update your application to add it. Fidelis Care can direct you to New York State of Health to make this change.
If you are temporarily unable to pay, contact Fidelis Care before your payment is due. Some plans offer short-term payment arrangements or can connect you with local assistance programs. Do not ignore a missed payment — the sooner you reach out, the more options you have.
Employer-sponsored Fidelis Care plans
If your employer offers Fidelis Care, your premium is deducted from your paycheck automatically. You do not send payment to Fidelis Care yourself. Your employer's payroll department handles the payment to Fidelis Care on your behalf. Your pay stub will show the deduction, and your employer will provide you with a summary of your benefits and how much you are paying each pay period.
If you have questions about your employer plan — such as what your premium is, what is covered, or how to change your coverage — contact your employer's benefits or human resources department first. They manage the enrollment and billing relationship with Fidelis Care. If your employer cannot answer your question, you can contact Fidelis Care directly using the member service number on your ID card.
If you leave your job, your coverage through that employer plan will end. You will have 60 days to enroll in a new plan through the marketplace or through your new employer's plan, if available. During this gap, you may be may be able to access for COBRA (a temporary continuation of your employer plan) or a marketplace plan with a start date that matches your coverage end date.
Understanding your Fidelis Care bill and statement
Your monthly bill or statement shows your premium amount, the due date, and the payment methods available. It also lists any copays or out-of-pocket costs you owe for care you have already received. Do not confuse your premium (the monthly cost of the plan) with copays (the amount you pay when you see a doctor or fill a prescription).
If you see charges on your bill that you do not recognize, contact Fidelis Care to ask about them. They can explain what each charge is for and whether it is correct. Keep your bills for your records — they are proof of payment and useful if you need to dispute a charge or verify your coverage dates.
If you do not receive a bill in the mail, log into your member portal to view your statement online. You can also request that Fidelis Care send your bill to a different address or switch to paperless billing (email statements only) through your member account settings.
Frequently Asked Questions
What happens if I pay late but before my coverage ends?
If you pay within the grace period (usually 30 days after the due date), your coverage stays active and your late payment is accepted. However, if you are consistently late, Fidelis Care may require you to pay by automatic ACH or certified check to keep your coverage. There is no late fee, but repeated late payments can trigger a coverage termination notice.
Can I pay my Fidelis Care premium with a credit card?
Yes, you can pay with a credit card online or by phone. Some people use credit cards to earn rewards or to manage cash flow, but be aware that credit card companies may charge a cash advance fee or interest if you do not pay off the balance immediately. Paying directly from your bank account (ACH) has no fee.
What if I move and my payment gets lost in the mail?
Update your address with Fidelis Care as soon as you move so your bills go to the correct location. If a payment gets lost, contact Fidelis Care with the date and amount you mailed. They can search their records and may be able to locate it. To avoid this risk, use online or automatic payments instead of mailing checks.
Do I have to pay my Fidelis Care premium if I do not use the plan?
Yes, you must pay your premium every month to keep your coverage active, even if you do not see a doctor or use any services. The premium is the cost of having the insurance; it is separate from copays and other costs you pay when you actually use care. If you no longer need the coverage, you can cancel your plan during open enrollment or if you have a may have access to life event.
Can I get a refund if I overpay my Fidelis Care premium?
If you accidentally pay more than your premium amount, contact Fidelis Care and request a refund. They will process it back to the payment method you used, which typically takes 5 to 10 business days. Keep your confirmation number so you can reference the overpayment when you call.