What to do if a consumer doesn’t have a Social Security Number (SSN)

ssn missingWe have important reminders from your training on what to do if a consumer doesn’t have a Social Security Number to provide in a Maryland Health Connection application:

1) For anyone not applying for coverage for himself or herself, providing a SSN is optional.

Tax filers within the past two years should provide their SSN if they have one, even if they are not seeking coverage for themselves, to help us determine eligibility for other household members.

Sometimes consumers are worried if their personal information will be given to other government departments. We use SSNs only to verify income and other application information to determine if applicants are eligible for help with paying for health coverage.

Individuals who do not have an SSN or who are applying for one can still apply for health coverage for themselves or other household members. If consumers need help getting an SSN, they can visit socialsecurity.gov or call 1-800-772-1213 (TTY: 1-800-325-0778).

2) If an individual does not have an SSN nor is applying for one, the application will ask for the reason that they are not seeking one.

There are three exemptions:

  1. Can be issued for non-work reason only
  2. No SSN due to religious objections
  3. Not eligible for SSN

However, the answer to this question is optional.

If a person has an Individual Tax Identification Number (ITIN), a box prompt will appear to enter that information.

3) In any scenario where an individual does not have a SSN and is applying for coverage for himself or herself, the application will require an SSN Verification Checklist (VCL).

While Medicaid consumers must either have an SSN, apply for an SSN, or have an exemption, they can still get fee-for-service Medicaid coverage while the SSN VCL is pending.

Qualified Health Plan consumers can enroll without an SSN, even if they are not applying for one or don’t have an exemption; however, any consumer who receives Advance Premium Tax Credits and/or Cost Sharing Reductions will need an SSN or ITIN in order to file and reconcile with the Internal Revenue Service at the end of the year.

Insider’s Edge

If you haven’t caught up on the latest Insider’s Edge (issues 162 and 163), be sure to check out What You Need to Know About MCO Shopping and Selecting a Primary Care Provider.

About “The Classroom”

“The Classroom” is Maryland Health Connection’s blog for its consumer assistance community, including navigators, authorized brokers, certified application counselors, caseworkers and call center staff. Check here for updates on training, website releases, new tools, and other helpful information as you help get Marylanders covered through the health insurance marketplace.

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For questions on this topic or to suggest additional topics for The Classroom, email mhc.trainingsupport@maryland.gov.