Question received online this morning: “I want to know if someone without social security number can enrol for insurance and does it cover maternal care?”
OnlineAdviser response: “Yes. Anyone in the U.S., citizen or not, short-term or permanent resident, can enroll in health insurance without a social security number. A social security number is not required for any of the insurance plans listed or linked from Freedom Benefits. Some health insurance covers maternity expenses, others do not. Generally the plans offered through state insurance exchanges in the fall offer maternity coverage and cover this as a pre-existing medical condition (your question did not mention if this is the case). Meanwhile some other coverage else may be needed that does not offer maternity coverage for pre-existing conditions.”
I fear that sometimes people don’t phrase their questions in a useful way. For example, what if he had meant “Help! My girlfriend is pregnant and doesn’t have health insurance”. Then the response is completely different.
Also, despite popular misconception, a social security number is never required to obtain health insurance. The federal government has made this abundantly clear and I’ve covered this in several past blog posts. Still, the belief persists. Again, this might be a phrasing issue. perhaps they meant that a social security number is required for government-paid health benefits or to use the government’s online health insurance exchange.