Do you need SSN for insurance?
Asked by: Kassandra Gutmann | Last update: September 6, 2025Score: 4.3/5 (37 votes)
Do insurance companies need my SSN?
There is no law prohibiting insurers from requesting a social security number. An insurer has the right to ask for a social security number where the information is reasonably related to underwriting. One such purpose is to obtain a credit report of an insured.
Do you need Social Security for insurance?
Whether you are applying for health insurance for yourself or on behalf of another person, your health insurance application may not be delayed or denied because you don't have an SSN. Only people who have a valid SSN issued by the Social Security Administration are required to provide one.
Do health insurance providers need SSN?
Your health insurance company may request that you provide them with the Social Security numbers for you, your spouse and your children covered by your policy.
Can I add someone without SSN to my health insurance?
They will not be eligible for coverage. Insurance companies require a social security number on employee applications. If a dependent doesn't have a social security number: You can still add them to the insurance policy.
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Can my undocumented spouse be on my insurance?
Are nonapplicants required to report their citizenship or immigration status? No. Nonapplicants do not need to provide their citizenship or immigration status when applying to get health insurance for their eligible family members.
Can someone without a SSN get life insurance?
The short answer is yes, but it isn't all that simple. Many carriers require a Social Security Number for a number of important reasons. An insurance company doesn't have a legal requirement to insure everyone who applies, so it is within their right to deny coverage to someone without a Social Security Number.
How to apply for health insurance without social security number?
You may be able to use your Individual Taxpayer Identification Number (ITIN) instead of an SSN. Most insurance plans are focused more on your current residence than your SSN. You just need to submit proof that you live in the state. Determine your eligibility.
Do I need to provide SSN for dental insurance?
Social Security Number (SSN): While not always required, the SSN can aid in unique identification and may occasionally serve as a member ID. Address: The current address is necessary for correspondence, billing, and processing claims.
Does Aetna require SSN?
A Social Security number is not required for health care services. If you're a health care professional working with us: Collect the patient's member ID number, rather than a Social Security number.
Is it safe to give SSN to an insurance agent?
As a general rule, don't give your SSN (or any other private information) to someone who cold calls you. Before working with an agent or broker, you should confirm that they are licensed by the insurance department in your state, and certified to work with the exchange.
How do I find out who my health insurance is with?
HealthCare.gov, is a portal for finding information about your health insurance options. You can also contact HealthCare.gov at 1-800-318-2596 or go to https://www.healthcare.gov/contact-us/. If you have Medicare or Medicaid, visit the Medicare Web site or call the Medicare Help Line at 1-800-MEDICARE (1-800-633-4227).
Why do I need a Social Security number?
The U.S. government created Social Security numbers in 1936 to track how much money Americans make during their lifetime and calculate Social Security benefits. You need a Social Security number to get a job, collect government benefits, and use for identification. You should be careful about sharing your number.
Is SSN required for car insurance?
The good news is, you don't necessarily need your SSN to get car insurance. Some insurers require you to provide your SSN to get quotes or coverage, but many don't. Learn more about how to find an insurance company that won't need your SSN and how to compare car insurance quotes.
Do companies need my SSN?
It is important for job seekers to know that they are not legally required to provide their Social Security numbers to employers, with the exception of government and national security-related jobs or jobs that require a credit check.
Why does my lawyer need my Social Security number?
It depends on the specific situation. If your lawyer needs your Social Security number to complete a legal task or process, such as filing paperwork with the court or processing a settlement, then it is likely that they will require it.
Is SSN mandatory for health insurance?
People who apply for health coverage need to provide a Social Security Number if they have one.
Does Humana ask for a social security number?
Humana values personal identity protection. Please be aware that applicants may be asked to provide their Social Security Number, if it is not already on file.
Are you legally required to have dental insurance?
However, you are not required to buy dental coverage. (The law simply requires insurance companies to provide this option for families with kids under 18.) Dental coverage is not an essential health benefit for adults under the ACA.
How can undocumented immigrants get health insurance in the USA?
Remember, you can only get insurance through the Marketplace if you are lawfully present in the United States. That means undocumented immigrants and DACA recipients generally can't get insurance through the Marketplace, Medicaid and CHIP, but may be eligible for emergency Medicaid or state-funded programs.
Can I get dental insurance without a Social Security number?
If you are an undocumented or a non-US citizen here in the US, you may feel that you can't buy dental insurance. That is not the case. Dental insurance is available for non-US citizens, including undocumented immigrants and those without social security numbers.
Can you add someone to insurance without SSN?
You can include family members who don't have a Social Security number in your plan if they have lawful immigration status. You and your undocumented family members who don't have SSNs have 90 days to provide appropriate documentation. Undocumented immigrants cannot get marketplace coverage.
Can I get life insurance if I'm undocumented?
You can get life insurance if you are an undocumented immigrant. The key is to apply with the right life insurance company, as most will underwrite your immigration status before looking at your health and lifestyle.
Why does the insurance company want my Social Security number?
Some reasons why a life insurance company will ask for your SSN are: To confirm your identity: Using personal information like a SSN can help the carrier make sure you are who you claim to be. To order a credit report: Carriers will check your credit to evaluate your risk.
Can you get health insurance with an ITIN number?
No. ITINs are not the same as SSNs. The application will verify SSNs with the Social Security Administration, which cannot verify ITINs.