Form A vs. Form B: Understanding the Financial & Operational Disclosures

Answer Summary:

The Competitive Bidding application is split into two distinct parts: Form A (Business & Financials) and Form B (Product & Pricing). In June 2026, providers must complete Form A to verify eligibility before they can access the pricing screens in Form B. A critical update for 2026 is the streamlined financial requirement: most providers now only need to upload a Business Credit Report with a numerical score, rather than the full stack of tax returns required in previous rounds.

Introduction:

Bidding isn’t just about the price. It’s about the paperwork.

When you log into Connexion this week, you will not see a place to enter a price. You will see two locked gates: Form A and Form B.

Many providers rush to find the “Bid Price” screen, only to get stuck on the “Business Organization” screen.

• Form A asks: “Who are you, and can you afford to do this?”
• Form B asks: “What products will you sell, and for how much?”

Here is the golden rule of June: You cannot start Form B until Form A is approved. If you wait until the last week of the bid window to tackle Form A, you will run out of time to enter your pricing.

Form A: The Financial Vetting

Form A is your corporate resume. It tells CMS that you are a stable, legitimate business.

For 2026, CMS has shifted the burden of proof. In the past, you had to upload hundreds of pages of tax returns for every location. Now, the focus is on the Business Credit Report.

1. The “Numerical Score” Requirement

• The Rule: You must upload a credit report from an approved bureau (Dun & Bradstreet, Experian, Equifax) that contains a Numerical Credit Score (e.g., D&B Paydex).
• The Trap: Some “Summary Reports” or “Marketing Credit Reports” do not list a specific score. If you upload a report without a score, your Form A is rejected.
• The Fix: Order a comprehensive report today. Check page 1. Does it say “Score: 78”? If not, call the bureau.

2. The “New Business” Exception

• The Scenario: Your business is less than 12 months old and has no credit history.
• The Requirement: You must upload a Personal Credit Report for the Authorized Official, plus a statement explaining why the business report is empty.

The “Expansion Plan” Narrative

Form A asks a dangerous question: “Do you currently have the capacity to serve the entire competitive bidding area (CBA)?”

• If Yes: You are certifying that you have enough trucks, staff, and inventory today to serve 100% of the Medicare beneficiaries in that region.
• If No (Expansion Plan): You must select “No” and write a Capacity Expansion Narrative.

How to Write the Narrative:

Do not be vague. CMS auditors want to see specific operational math.

• Bad: “We will hire more drivers if we win.”
• Good: “We currently have 3 vans. We have secured a $500,000 line of credit (Proof attached) to purchase 4 additional vehicles within 30 days of contract award. We have a staffing agency retainer (Attached) to recruit 2 additional RTs.”

WWS Value Proposition:

We Draft the Narrative

Writing a Capacity Expansion Plan is an art. If you promise too much, you look risky. If you promise too little, you look incapable. Wonder Worth Solutions drafts these narratives for our partners, balancing ambition with financial reality to ensure your Form A gets the green light.