What are the rules and deadlines for submitting Proof of Coverage (POC) in Take Command?
Submitting Proof of Coverage (POC) is a critical step in ensuring compliance and facilitating reimbursements for your chosen health insurance plan. Below, we'll outline the general guidelines, specific deadlines, and implications to ensure an easy and straightforward process.
General Guidelines
No strict deadlines: For most users, there is no strict deadline to submit POC. You may upload your documentation as soon as it becomes available, and reimbursements can often be backdated to reflect your active coverage.
Key exception: While there is no universal deadline for all policies, specific compliance deadlines may apply depending on your selected plan year. More details are provided below in "Year-Specific Deadlines."
Waiting for documents: If you are waiting to receive valid proof of coverage, you can upload it later as long as your coverage was purchased by the deadline. However, your ability to fully complete onboarding for the year depends on uploading valid POC.
Year-Specific Deadlines
While general guidelines apply, certain plan years may introduce hard deadlines for
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POC submission:
2026 plan year deadline: Employees must submit their POC for the 2026 plan year by March 31, 2027. Missing this deadline may affect compliance and reimbursement eligibility.
Typical plan years: Take Command generally ends POC acceptance for any plan year on March 31 of the following year (e.g., March 31, 2026, for 2025 coverage). Submitting POC sooner ensures quicker access to reimbursement benefits.
Submission and Compliance Implications
Re-uploading after an issue: If your initial POC submission is declined, there is no strict deadline for re-uploading the updated documents. Once the revised proof is submitted, the Compliance team will review it and notify you about the outcome.
Enabling reimbursements: To avoid delays in reimbursements or compliance issues, upload your proof of coverage immediately upon receiving it. Delayed uploads might require backdated payments but won't generally affect your eligibility for coverage.
Purchasing deadline priority: Ensure you adhere to the deadline for purchasing your plan, as reimbursement and eligibility are only possible after enrollment. POC submission remains flexible thereafter.
Consequences of Delayed Submission
Backdating reimbursements: Even if POC submission is delayed, reimbursements can usually be paid retroactively to the start of your active coverage. However, this is contingent upon your timely completion of plan enrollment and purchase.
Compliance risks: For plans with strict deadlines (e.g., March deadlines for some years), failure to submit POC on time might result in delays or problems with maintaining compliance and eligibility for certain benefits.
Following these guidelines and understanding the differences between general rules and specific deadlines will help you manage your Take Command plan effectively. Always prioritize timely uploads and consult your account manager for questions specific to your plan year.
