Struggling to find Form 1095-B on Social Security portal for Medicare tax reporting - help!
I just turned 65 last summer and started Medicare mid-year. Now I'm gathering my tax documents and completely confused about this Form 1095-B situation. My tax preparer said I need to get this form from Social Security to prove I had Medicare coverage (health insurance requirement). I've logged into my MySocialSecurity account three different times but can't find any tax forms related to Medicare anywhere! I've looked under 'Messages', 'Documents', and every other tab I can find. Does anyone know exactly WHERE on the Social Security website this form is supposed to be? Or do they mail it separately? My state apparently requires proof of health coverage and I'm worried about penalties if I can't provide this form. This is my first year dealing with Medicare and taxes together and I'm feeling lost. Any guidance from those who've been through this would be greatly appreciated!
23 comments


Amina Diop
they dont put that form on th website, they mail it to u. i got mine last week, check ur mailbox. they usually send them out by end of january
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Paolo Moretti
•Really? That's a relief! I've been checking my mail pretty carefully but maybe I missed it. Will dig through my mail pile again tonight. Thanks for letting me know they actually mail it!
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Oliver Weber
The Form 1095-B is sent by the Centers for Medicare & Medicaid Services (CMS), not directly from SSA. They typically mail these forms by late January/early February. If you haven't received yours by mid-February, you should contact CMS directly at 1-800-MEDICARE (1-800-633-4227) to request a duplicate. Also worth noting that while the form confirms your Medicare coverage, many taxpayers don't actually need to submit the 1095-B with their return - it's for your records to verify coverage. Your tax preparer can still complete your return without it in many cases.
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Paolo Moretti
•Thank you so much for this clarification! I had no idea it came from CMS rather than SSA. That explains why I couldn't find it on the Social Security portal. I'll wait another week and then call that number if needed. Really appreciate the detailed information!
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Natasha Romanova
Same thing happened to me! First year on Medicare and I spent HOURS looking for that stupid form on the SSA website. Turns out my tax guy didn't even need it after all - he just asked me when my Medicare started and entered that info. The form eventually showed up in late February and I just kept it for my records.
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NebulaNinja
I've been dealing with Medicare for 3 years now and let me tell you, the confusion never ends!!!! Every year I panic about these forms and every year it's a different story. Last year they were SUPER late sending them out - I didn't get my 1095-B until MARCH!!! Called Medicare twice and got different answers both times. One rep said I didn't need it, another said I did. The whole system is a NIGHTMARE!!!! Good luck getting a straight answer from anyone!
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Paolo Moretti
•Oh no, that's not encouraging! I hope mine doesn't take until March to arrive. My tax appointment is scheduled for the first week of March. Did filing late cause any problems for you?
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NebulaNinja
•I ended up having to reschedule my tax appointment TWICE!!! It was so frustrating. If I were you I'd call Medicare NOW to request the form instead of waiting. Their phone lines are RIDICULOUS though - I was on hold for 2+ hours last time I called.
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Javier Gomez
As someone who's helped many clients with this exact issue, I can provide some additional context: 1. Form 1095-B for Medicare coverage is issued by CMS (Centers for Medicare & Medicaid Services), not SSA directly 2. The form is typically mailed between late January and mid-February 3. You can request a duplicate by calling 1-800-MEDICARE, but wait times can be very long this time of year 4. Many tax preparers can complete returns without the physical form if you can confirm your Medicare coverage dates 5. If you need to reach Medicare by phone quickly, I've had clients use a service called Claimyr (claimyr.com) that helps you skip the long hold times. They have a demo video showing how it works: https://youtu.be/Z-BRbJw3puU 6. Some states have their own health insurance verification process separate from federal requirements, so check your specific state tax instructions Hope this helps clear things up!
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Paolo Moretti
•This is incredibly helpful information! I'll wait another week before trying to call Medicare. If I can't get through, I might try that Claimyr service you mentioned - those wait times sound horrible. Do you know if my tax preparer would have access to verify my Medicare coverage dates if I don't have the form?
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Javier Gomez
•Your tax preparer won't have direct access to verify your Medicare coverage dates. However, if you know exactly when your Medicare began (should be on your Medicare card or approval letter), that's usually sufficient for tax preparation purposes. The 1095-B is primarily for your records and verification if you're ever audited. Most electronic filing software just asks for confirmation that you had qualifying coverage, not the actual form details.
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Emma Wilson
I had the same problem last year - first year on Medicare and totally confused about the tax forms. Spent hours searching the SSA website before I realized it comes in the mail from a different agency entirely! One tip - when my form was delayed, I called Medicare but kept getting disconnected after waiting for ages. I found this service called Claimyr (claimyr.com) that got me through to a Medicare agent in about 10 minutes instead of waiting for hours. They have a video showing how it works: https://youtu.be/Z-BRbJw3puU The Medicare agent was able to confirm my coverage dates over the phone and said I could use that verbal confirmation for my tax preparer while waiting for the form. Saved me from having to delay filing my taxes!
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Malik Thomas
•is that claimyr thing legit? sounds too good to be true. doesnt medicare have a website where u can just print the form yourself??
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Emma Wilson
•Yeah it's definitely legit - I was skeptical too but it worked really well. And no, unfortunately Medicare doesn't let you print the 1095-B form yourself from their website (which would make WAY too much sense!). You either have to wait for it in the mail or call to request a duplicate.
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Amina Diop
btw dont panic if u cant find the form, my sister never got hers last year and still filed her taxes fine. tax people make it sound scarier than it is
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Paolo Moretti
Update: I finally got my 1095-B form in today's mail! For anyone else looking for this in the future - it comes in a very plain envelope that could easily be mistaken for junk mail, so check carefully. Mine was from the "Department of Health and Human Services" not from Social Security. Thanks everyone for your help!
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Oliver Weber
•Glad to hear you received it! Yes, the nondescript envelope is easy to miss. Thanks for updating the thread - this will help others who search for similar information in the future.
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Grace Durand
That's great news that you received your form! Just wanted to add for future readers - if you're still within your first year of Medicare like Paolo was, it's also worth keeping a copy of your Medicare card and any enrollment paperwork as backup documentation. The effective date on your Medicare card can serve as proof of coverage start date if needed. I learned this the hard way when I misplaced my 1095-B form last year and my tax preparer was able to use my card instead. The whole Medicare/tax integration process definitely has a learning curve!
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Ben Cooper
•That's such a helpful tip about keeping the Medicare card as backup documentation! I definitely learned my lesson about checking mail more carefully too - that plain envelope really could have been mistaken for junk mail. It's comforting to know there are multiple ways to prove coverage if needed. Thanks for sharing your experience - this whole thread has been incredibly educational for someone new to Medicare!
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Isabella Costa
Adding to what others have shared - I went through this exact same confusion when I first started Medicare two years ago! One thing that might help future newcomers is knowing that the 1095-B form is actually pretty basic - it just shows your name, coverage dates, and confirms you had qualifying health coverage. The most important info is really just when your Medicare coverage began, which you can find on your Medicare card or welcome packet if the form gets delayed. I keep a simple spreadsheet now with all my Medicare dates and key info as a backup. The first year is definitely the hardest as you figure out all these new processes!
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Benjamin Johnson
•That's such a smart idea about keeping a spreadsheet with all the Medicare dates and info! I wish I had thought of that from the beginning. You're absolutely right that the first year is the hardest - there are so many new systems and processes to learn. I'm definitely going to create a simple tracking document like you suggested so I'm better prepared next year. Thanks for the practical tip!
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Lily Young
Just wanted to chime in as someone who went through this exact same experience! I turned 65 last year and had the same panic about finding the 1095-B form on the SSA website. Like everyone else mentioned, it definitely comes in the mail from CMS, not through your MySocialSecurity account. One thing I'd add is that if you're worried about missing the form in your mail, you can also sign up for Informed Delivery through USPS - it sends you previews of your incoming mail each morning so you won't accidentally throw away important tax documents. I started using it after almost tossing my 1095-B because the envelope looked like generic government mail. Also, don't stress too much if it's delayed - my tax preparer said the IRS is pretty understanding about Medicare forms arriving late since it's such a common issue. The most important thing is having your Medicare start date, which should be on your Medicare card or in your welcome materials. Glad you got yours sorted out!
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NeonNebula
•That Informed Delivery tip is brilliant! I had no idea USPS offered that service. I'm definitely signing up for it right away - would have saved me so much stress this year wondering if I missed important mail. You're also right about not stressing too much if the form is late. My tax preparer actually told me the same thing about the IRS being understanding with Medicare-related delays. It's reassuring to hear from someone who went through this exact same experience last year. Thanks for sharing these practical tips!
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