Frequently Asked Questions about Form 1095-B
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1 Frequently Asked Questions about Form 1095-B Q: What s Form 1095-B? A: It s a tax form that shows what type of health insurance you and your dependents had and for what months you had it during the tax year. Under federal law, you must have minimum essential coverage during the year or you must qualify for an exemption. If you don t, the IRS can fine you. Q: What do I do with the form? A: Use it to complete the health care portion of your income tax form. According to the IRS, you don t need to attach the form to your tax return. Keep it for your records with your other tax documents. If you have dependents on your plan who file their taxes separately, give them a copy of the form that lists their coverage. Only subscribers, not dependents, will receive a Form 1095-B in the mail. Q: Can you give me my coverage information over the phone? A: Yes. Call us at toll-free. Q: I m a dependent and didn t receive my own copy of the form. Can you give me something in writing that has my months of coverage? A: Yes. Though we can t send you Form 1095-B, we can tell you which months you had HMSA coverage in Call us at You can also ask your plan subscriber to make a copy of your form. Q: Why is HMSA sending me an IRS form? Is HMSA sending my coverage information to the IRS? A: Federal law requires every health plan, including HMSA, to provide Form 1095-B to certain members for the 2017 tax year. We re also required to send this form to the IRS to report if you, your spouse, and your dependents had minimum essential coverage for some or all months of the year. Q: What s considered minimum essential coverage? A: All HMSA medical plans (excluding stand-alone drug, dental, and vision plans) meet the minimum essential coverage requirement. Visit HealthCare.gov or the IRS website at irs.gov for more information on what type of plans qualify as minimum essential coverage.
2 Q: What information is on Form 1095-B? A: For each person covered on your plan, the form lists: Your name. The last four digits of your Social Security number (SSN). Your date of birth, if no SSN is available. The months each individual was enrolled in minimum essential coverage. The form also lists HMSA s address, phone number, and employer identification number. Q: When will you mail the form to me? A: We expect to send the form in late February. Q: Why didn t I get my Form 1095-B by January 31 like most IRS forms? A: The IRS extended the 2017 form due date for insurers to March 2, Q: I m an HMSA member, but haven t received a Form 1095-B yet. When will I receive it? A: Not all members will receive a form from HMSA, such as those in these situations: You are a dependent. The ACA requires sending the form only to certain subscribers. You can get a copy of the form from the plan subscriber. Your employer offers self-insured health coverage. Sometimes employers have different arrangements with HMSA to provide coverage. Some employers provide coverage, self-funded. You may have an HMSA health plan, but if your employer is self-funded, they re responsible for giving you the appropriate form. We can help you verify if you have this type of plan. Call us at toll-free. You enrolled in a 2017 individual plan on HealthCare.gov. The federal health insurance marketplace is responsible for sending you Form 1095-A. You have a health plan through the government, such as Medicaid (QUEST Integration), Medicare (HMSA Akamai Advantage), FEP (HMSA FEP), or The Children s Health Insurance Program (CHIP). The government agency that provided the coverage is responsible for sending you Form 1095-B. While HMSA isn t required to send Form 1095-B to CHIP subscribers, we ll send you a form if you subscribe to the HMSA Children s Plan, which is a different plan. For a detailed list of other types of members who won t receive a form, visit irs.gov.
3 Q: Can I file my tax return even if I haven t received my Form 1095-B? A: Yes. According to the IRS, you don t have to wait for your form to prepare your tax return. You can use the following documents to help you prepare your taxes and as proof of your insurance coverage: Insurance cards. Explanation of benefits. Statements from your insurer. W-2 or payroll statements reflecting health insurance deductions. Records of advance payments of the premium tax credit. Other statements indicating that you or a member of your family had health care coverage. You won t need to send the IRS proof of your health coverage; however, you should keep it with your other tax records. For more information, visit the IRS website at irs.gov. Q: I have coverage from multiple health plans (dual coverage). Will I receive my own form? A: You ll receive a Form 1095-B for every plan that you re the subscriber for. The forms will come from your respective health insurance carriers. Q: I received multiple 1095-B forms. Why? A: You may receive multiple forms if you had minimum essential coverage from more than one health insurance carrier during It could also be because you had minimum essential coverage through more than one employer during Who you receive each form from depends on your situation. Consult your tax adviser or visit irs.gov to find out more. Q: I also received other types of 1095 forms in the mail. What are these forms? A: These forms did not come from HMSA. If you received Form 1095-A, it s because you enrolled in a health plan on HealthCare.gov in This form provides information about the coverage you and your dependents had. If you have questions about Form 1095-A, please call toll-free. If you received Form 1095-C, it came from your employer. That form gives you information about the health coverage offered to you by your employer in 2017, whether you accepted it or not. For questions about that form, contact your employer. Or visit irs.gov for information.
4 Q: The Form 1095-B you sent to me is inaccurate. Can you help me? A: If HMSA sent the form, we can help you. Call us at Depending on the error, we may or may not issue you a new form. If you received your form from your employer, contact your employer. If you have a government-sponsored plan, the government agency that sent the form can help you: QUEST Integration (Medicaid): , option 0, toll-free. TTY users, call toll-free. The Children s Health Insurance Program (CHIP): Call QUEST Integration (Medicaid) at , option 0, toll-free. HMSA FEP: Call the number on the back of your HMSA membership card. If you don t have your card, call on Oahu. HMSA Akamai Advantage (Medicare): , option 5, toll-free. TTY users, call toll-free. Q: My relative passed away. Why did HMSA send him/her Form 1095-B? A: Because your relative was enrolled in a health plan in 2017, federal law requires us to mail the form to him/her. We re also required to send the form to the IRS. Q: What if I had coverage for only part of 2017? Will I have to pay a tax penalty? Do I qualify for an exemption? A: Consult your tax professional or visit HealthCare.gov or irs.gov for a list of exemptions. Q: How is HMSA keeping my information safe on the form? A: Only the last four digits of your Social Security number are on Form 1095-B. This is to safeguard your protected health information in accordance with state and federal laws. Q: How did you get my Social Security number? A: You provided it either on your health care application or on the forms we mailed to you in compliance with IRS and Affordable Care Act regulations. Q: My Form 1095-B doesn t include my Social Security number. Shouldn t it be listed? A: Either you didn t provide us with your Social Security number or our system was unable to process it. According to the IRS, as long as your form includes your date of birth, it s valid. Q: Can I receive Form 1095-B electronically? A: Not this year. We hope to make the form available electronically in the future.
5 Q: What will happen if I didn t have minimum essential coverage for the entire year? A: Check with a tax professional or visit irs.gov for information. Q: What should I do if only some of the people in my family had qualifying health coverage in 2017? A: Talk to a tax professional or visit irs.gov. Q: I file my taxes online. Will there be an online form to enter information from Form 1095-B? A: Talk to a tax professional or visit irs.gov.
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