How to Enroll in a Health Insurance Plan with Take Command
Enrolling in a health insurance plan through Take Command is a seamless process that focuses on reimbursement for plans purchased through state marketplaces. Below, we’ve outlined the detailed steps and clarified the roles involved, emphasizing the requirement to use state marketplaces for individual health insurance.
Check your email for a welcome message from Take Command, which contains step-by-step instructions for starting your enrollment journey. Ensure to check your spam or junk folder if the email isn't visible in your inbox.
Overview of Enrollment Options
Enroll through State Marketplaces: Employees must purchase their individual health insurance through their state’s marketplace. Once enrolled, they should upload proof of coverage to the Take Command portal. This ensures that employees are reimbursed for their health insurance under their employer’s Individual Coverage Health Reimbursement Arrangement (ICHRA).
Onboarding Steps for Take Command: Log in to your member portal and complete the onboarding process, including submitting required documentation. If applicable, navigate to the “Other situations” section to upload proof of coverage for plans purchased through your state marketplace. If enrolling outside Open Enrollment, upload proof of a Qualifying Life Event as needed.- For incomplete onboarding, ensure all necessary confirmations and document submissions are completed to finalize the enrollment.
Ensure that you have received the welcome email with a link to begin. Complete your profile setup by filling out any personal details as guided during the onboarding process. Use the dashboard’s "Shop for Insurance Plans" tool to explore and select plans tailored to your needs.
Understanding the Responsibilities: Take Command vs. Carriers
Take Command’s Role
Facilitates plan selection and enrollment through its platform.
Submits your application to the insurance carrier after you enroll.
Verifies Proof of Coverage and ensures reimbursement reflects correct premiums.
Reviews submitted documents and claims to confirm accuracy.
Updates the portal status to “Enrolled” once setup and verifications are completed.
Insurance Carrier’s Role
Processes your submitted application.
Sends confirmation, welcome materials, and other communications related to your enrollment.
User’s Responsibilities
Enroll directly on Take Command or via your state marketplace following the applicable process.
Upload Proof of Coverage and premium updates to the Take Command portal after enrollment.
For plan changes during open enrollment, renew or modify plans through Take Command. For special cases like qualifying life events, initiate the changes on the portal.4. In cases of incomplete or canceled enrollments, re-initiate the process by following the steps in the portal and uploading required documents for verification.
Use the "Qualifying Life Event" section to document any major changes such as loss of prior coverage, ensuring correct placement for faster processing.
Submit a recurring claim for insurance premiums in the portal to enable automatic reimbursements, including the premium amount and start date.
Plan Modifications and Renewals
Frequently Asked Questions
Extended Open Enrollment Periods
During an extended open enrollment period, employees should:
Log in to their Take Command account and navigate to the 2026 coverage/Plan section.
Look for options like “Shop plans” or “Change plan,” then select and submit their new plan.
If no change option is visible, provide your name, employer name, and confirmation that your employer extended open enrollment. Take Command support can verify the group’s enrollment dates and enable shopping or coordinate with your employer to adjust your election.
If your plan has already been submitted to the carrier, contact the carrier directly to request cancellation or modification. Notify Take Command with the confirmed cancellation/effective dates so your account can be updated, allowing you to select a new plan.
State-Specific Extended Enrollment Limitations
The “Extended Open Enrollment” option is only available in certain states. It appears if the individual resides or is employed in one of these states: California, Colorado, Massachusetts, Minnesota, Nevada, New Jersey, New York, Pennsylvania, Rhode Island, Washington, or Washington, D.C. If you’re outside these states, the option won’t be available.
Be aware that Marketplace plans generally do not start coverage mid-month. Enrollments after your current plan ends typically begin on the first day of the following month.
No, employees must purchase their individual health insurance through their state’s marketplace. Once enrolled, they should upload proof of coverage to the Take Command portal for reimbursement.
Can I enroll directly on the Take Command website instead of using my state marketplace?
Yes, you can enroll directly on Take Command if your selected plan is listed there. You don’t need to use the state marketplace unless mandated by your location.
Does Take Command submit my application on my behalf?
Yes, Take Command forwards your completed application to the insurance carrier to process your enrollment and link it to your reimbursement.
Troubleshooting and Next Steps
Common Enrollment Issue Scenarios
If an enrollment attempt fails due to missing first payment, restart from your account and ensure all eligibility windows are met.
For new plan enrollments after coverage ends (e.g., Med-Cal), provide accurate documentation under the appropriate sections and complete the process.
If there are discrepancies in your reimbursement, double-check that your Proof of Coverage and updated premium amounts are correctly uploaded to Take Command.
Contact support via your Take Command portal for further assistance if enrollment issues persist.- For incomplete enrollments, re-initiate the process by selecting your desired plan and completing all steps, including documentation uploads and confirmation.
In cases of plan cancellations due to previous coverage like Med-Cal, upload a Qualifying Life Event document showing loss of coverage to the indicated section and proceed with plan selection.
If a self-enroll plan cannot be finalized, upload proof of a qualifying event, browse available plans, and finalize the application and payment setup.
Confirm that the portal status updates to “Enrolled” upon verification as part of troubleshooting steps.
By following these steps and understanding Take Command's role in your enrollment journey, you can smoothly handle your health insurance needs with confidence.