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ICHRA & QSEHRA Employee: Verifying Your Health Insurance Enrollment

This article is for employees using HRA Hub for ICHRA or QSEHRA benefits.

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Written by Mel Vazquez-Martinez

Your health insurance enrollment is complete when your coverage is active with the insurance carrier, your plan information is correct in HRA Hub, and your proof of coverage is approved.

How do I verify my enrollment?

To verify your enrollment:

  1. Confirm your coverage is active with your insurance carrier.

  2. Verify the correct plan appears in HRA Hub.

  3. Confirm your proof of coverage status is approved.

All three requirements should be met for enrollment to be considered complete.

How do I verify my insurance is active?

Log in to your insurance carrier account and confirm:

  • The plan is active

  • Coverage dates are correct

  • Covered dependents are listed correctly

If the carrier does not show active coverage, enrollment is not complete.

How do I verify my plan information in HRA Hub?

Log in to HRA Hub and review your enrollment information.

Verify:

  • Plan name

  • Coverage effective date

  • Covered household members

The information should match your carrier records.

How do I verify proof of coverage approval?

Review your proof of coverage status in HRA Hub.

Common statuses include:

  • Approved

  • Pending Review

  • Missing

  • Noncompliant

Coverage verification is not complete until proof of coverage is approved.

Key takeaway

Enrollment is complete when your insurance carrier, HRA Hub, and proof of coverage records all show matching and active coverage information.


Common enrollment verification issues

My carrier shows active coverage but HRA Hub shows 'Pending' or 'Missing'

This mismatch means your carrier enrollment is complete but your proof of coverage in HRA Hub has not yet been uploaded or approved. Your HRA eligibility is not active until proof of coverage is reviewed.

Upload your enrollment confirmation, insurance ID card, or most recent billing statement in the Health Insurance section of your Member Portal. Once proof is approved, your HRA records will reflect active enrollment.


My HRA Hub shows a plan but it is the wrong one — how do I correct it?

If HRA Hub shows an incorrect plan name, carrier, or coverage date, contact Customer Experience with your name, company name, and a screenshot of what is displayed. Also attach the correct enrollment documentation from your carrier. CX can update the plan record on the backend.

Do not attempt to correct the plan by submitting a new QLE or uploading documents through the standard flow — corrections to already-submitted enrollment records require manual processing.


My proof of coverage is Approved but I have not set up reimbursements yet — what do I do next?

Proof of coverage approval is the prerequisite for reimbursements, but does not automatically start them. You must also:

  • Set up a recurring premium entry in the Reimbursements section of your Member Portal (for premium reimbursements).

  • Submit individual expense claims for each eligible medical expense (for medical expense reimbursements).

Reimbursements are retroactive to your HRA eligibility start date — you can submit a recurring premium entry now and request retroactive months going back to your eligibility date. See 'Submitting a Recurring Health Insurance Premium' for step-by-step instructions.


My enrollment is with a Self-Enroll plan — what does verification look like?

For Self-Enroll plans, complete verification requires three separate confirmations:

  • Your carrier confirms your plan is Active in your carrier member account.

  • You upload proof of coverage in HRA Hub — your enrollment confirmation or a billing statement from the carrier.

  • Take Command reviews and approves the proof of coverage (7–10 business days).

Take Command does not verify enrollment with the carrier on your behalf for Self-Enroll plans — you must confirm it directly with your carrier and then upload proof in the portal.

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