Steps to Maintain HRA Eligibility and Submit Proof of Coverage
To ensure uninterrupted HRA reimbursements through Take Command, it's essential to understand the actions required at the start of a new plan year, particularly for proof of coverage. This guide outlines the key steps and provides information on how enrollment through external marketplaces interacts with the Take Command platform.
Maintaining HRA Eligibility
If you are enrolled in a health insurance plan that qualifies for HRA reimbursements, you do not need to repurchase or re-enroll in your plan through Take Command. Instead, the key actions required are:
Verify your Coverage Details: Ensure that your health plan remains active, continues to meet HRA requirements, and is renewed or auto-renewed by your carrier. If your current plan is active and approved for HRA, no re-enrollment is necessary.
Submit Proof of Coverage Annually: Every plan year, you must upload proof of coverage to your Take Command account. This document confirms your active health coverage and ensures that reimbursements continue without interruptions.
Requirements for Proof of Coverage Submission
Proof of Coverage (POC) documents should include the following information:
The plan name.
Premium amount.
Effective date of the plan.
Names of covered individuals.
Ensure that the uploaded document reflects active coverage. If updated, ensure the document is dated within the last 30 days to confirm recent coverage.
Acceptable Proof of Coverage Examples
Your policy documents for the new plan year (e.g., a 2026 policy).
Confirmation from your health insurance carrier.
Recent monthly insurance bills showing active coverage.
Auto-Renewal Plans and Take Command
Many state marketplace or individual plans are automatically renewed by the insurance carrier each year. If your health plan has auto-renewed and remains active, you are not required to enroll or repurchase the same plan through Take Command. Instead, simply log in to your Take Command account and upload proof of your renewed coverage. If your plan was renewed outside of Take Command and does not appear on your dashboard, take these steps:
Log in to the Take Command portal.
Upload your Proof of Coverage document: Navigate to the "Shop for Plan" area or relevant section to upload your proof of coverage document. Ensure all details are included as outlined previously.
General Reminders and Troubleshooting
Received a Reminder Email for Plan Update: If you are keeping your current plan and have already uploaded your proof of coverage, you can ignore reminders about plan changes. These emails are often directed toward plan shoppers or users exploring new options.
Unlisted Health Plans: If your insurance does not appear in the Take Command portal after auto-renewal, check your documentation’s details, ensure proper submission, and confirm approval through your Take Command dashboard.
Detailed Steps for Document Upload
Follow this guide if you need to upload proof of coverage:
Log in to your Take Command account.
Access the "Upload Proof of Coverage" section under “Shop for Plan” or relevant menu.
Attach your updated document (e.g., recent insurance bill or policy confirmation).
Verify submission and check for approval notifications in your dashboard.
By ensuring these actions are completed at the start of every new plan year, you can confidently maintain your HRA eligibility and enjoy uninterrupted reimbursements.