Is the most appropriate available supply or level of service for the insured in question, considering potential benefits and harms to the individual.Medical necessity means health care services that are consistent with the generally accepted principles of professional medical practice as determined by whether the service: What information can the insurance company ask of me when I’m shopping for insurance? For more information on how Massachusetts law defines personally identifiable information and what steps businesses must take to protect that personal information, please visit. Never provide a SSN while shopping for insurance or comparing premiums.īoth state and federal law require that your personal information must be kept confidential and cannot be shared or misused. Your SSN should only be asked for by the company that you are buying insurance from when you are filling out the application for insurance. Why does the insurance company need my Social Security number?įederal regulations governing the Internal Revenue Service (IRS) require that all health insurance carriers that provide minimum essential coverage to an individual during a calendar year must report to the IRS the name and Social Security number (SSN) of each individual who is covered under the policy or program. The insurance company is requiring that I provide them my Social Security number in order to apply for health coverage. If you are changing jobs, were laid off or terminated, or retiring, your employer will generally handle cancelling your health insurance coverage. You will want to keep in mind when your new coverage is expected to begin so that you do not overlap or go without coverage. If you are enrolled in a health plan through MassHealth or the HealthConnector and need to cancel it because you are now eligible for employer-sponsored coverage, you should contact MassHealth or the HealthConnector directly to disenroll. You should also keep in mind that individuals can only enroll in a new health plan during the regular annual open enrollment period each fall or through a special enrollment process if you have experienced some type of qualifying event (for instance, you just moved to Massachusetts or you are getting divorced and losing coverage from your spouse’s employer). It is not advisable to cancel your health insurance coverage unless you have alternative coverage lined up that meets minimum creditable coverage standards.
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