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:
Name of the Covered Individual(s):
The HRA-eligible person (employee) or proof that you are a covered dependent if not the primary insured.
Plan Name and Provider:
The insurance plan name and the provider’s name or logo (e.g., "Silver 1234" with the insurer’s branding).
Premium Amount:
The monthly premium amount, especially if you are claiming reimbursement.
Current Date:
A document dated within the last 30 days to confirm active coverage.
Statement of Backdated Coverage (if applicable):
If you are claiming premiums for past months, include a statement confirming backdated coverage.
Ensure that the uploaded document reflects active coverage. If updated, ensure the document is dated within the last 30 days to confirm recent coverage.If your file size exceeds 4 MB, reduce the size or split the document into smaller parts before uploading.Submissions may be declined if the document is outdated, missing required details, or incomplete. Ensure all required information is included to avoid delays.
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.- Elections of benefits document
Enrollment confirmation letter or welcome packet
Recent premium payment receipt or statement
Summary of Benefits and Coverage (SBC)
Policy declaration page
Screenshot from your insurance provider’s online portal
Medicare card (for Medicare coverage) Note: Member ID cards alone are not sufficient unless accompanied by additional documentation showing premium amounts and coverage dates.
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 member portal.
Navigate to the "Health Insurance" section and click "Edit."
Provide the required details, including plan type, carrier, tax credit information, covered individuals, premium amount, and coverage dates.
Upload your POC by dragging and dropping the file or browsing to select it.
Click "Continue" to submit your document for compliance review.
Monitor your portal for updates on approval status or requests for additional information.
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.### FAQs
Can I upload multiple documents if one file doesn’t include all required details?
Yes, you can upload multiple documents as long as they collectively include all required information. Ensure each document is clear and legible.
What should I do if my submission is declined?
Review the compliance note in your member portal to identify the missing information. Edit your submission and upload the corrected or additional documents.
Are there file size limits for uploads?
Yes, ensure your file size is 4 MB or less to avoid upload issues.