How to Upload and Manage Proof of Insurance for Plans Purchased Outside of Take Command
Introduction
Uploading proof of insurance for plans purchased outside of Take Command ensures compliance and facilitates reimbursements. This guide provides clear instructions for submitting proof of insurance, troubleshooting common issues, updating account information, and understanding required compliance documentation.
General Steps to Upload Proof of Insurance
Follow the steps below to upload proof of insurance for a plan purchased through an outside broker:
Scenario 1: You selected a self-enrollment plan through HRA Hub
Complete the purchase of your self-enrollment plan on the provider’s website or state marketplace.
Log in to the HRA Hub portal.
Enter your plan information and monthly premium.
Upload your Proof of Coverage (POC) file by clicking the "Upload" button or dragging the file into the upload box.
Click "Continue" to finish the process.
A confirmation message will appear once the upload is complete.
Scenario 2: You already have a qualified health plan compatible with ICHRA
Navigate to the "My Information" section within the HRA Hub portal.
Select "Upload your POC" on the "Find a Plan" page.
Enter your plan details, including the name of the plan and insurance provider.
Upload your POC file and click "Continue" to complete the process.
Receive confirmation once the upload is successful.
Troubleshooting Common Issues
Issue 1: Unable to find recurring premium upload option
If the recurring premium upload option is missing:
Ensure that your documents show details like premium amount, plan name, and payment dates.
Submit these required documents as proof of coverage through your Take Command account.
Verify that the correct documentation type has been uploaded.
Ensure that the document meets the file size limit of under 4 MB before uploading.
If any files were not uploaded, reattach and resubmit them as needed.
Issue 2: Insurance provider not listed in the portal
In cases where your insurance provider is not listed:
Select "Other," or manually type the insurer’s name as it appears on your documents.
Proceed with uploading acceptable Proof of Coverage, such as an insurance card or confirmation letter.
Optionally, add a comment explaining the absence of your provider in the dropdown and confirm your upload.
Compliance will review and validate the information.
Issue 3: Grayed-out edit option for recurring expense rejection
If the edit option is unavailable, follow these steps:
Navigate to "Shop for 2026 Plan" and use the back button to access the upload flow.
Proceed to the "Other Situations" section and upload your proof of coverage.
You may need to press the back button multiple times to reach the appropriate section.
The compliance team will typically contact you within 3-5 business days if additional details are required regarding your upload.
Updating Insurance Information
To update your account reflecting enrollment through an advisor or for a new plan year:
Log in to your Take Command portal.
Upload your POC and updated monthly premium details.
Compliance will verify the documentation and ensure reimbursements align with the updated premium amounts.
Verification Process and Status Meanings
Once your proof of coverage is uploaded, it undergoes a verification process. Keep track of its status in your portal:
Received/Submitted: Your document has been uploaded but not yet reviewed.
Approved/Verified: Your document has been reviewed and accepted.
Rejected/Needs Action: You need to re-upload or correct the document as instructed.
Pending: Your document is under review; no further action is required unless contacted.
Check for an email confirmation labeled “Proof of Coverage Received” and follow any further instructions if needed.
Compliance Requirements for Proof of Coverage
When uploading proof of insurance, ensure your document includes:
Ensure your document also includes coverage start and end dates, and the insurance company details as listed on your documents.
The HRA-eligible person’s name (primary insured or a dependent).
Premium amount claimed for reimbursement.
Current date (dated within the past 30 days).
Plan name and provider details (including a logo if possible).
Ensure that each file uploaded is under 4 MB in size to avoid upload errors.
If an insurance card is not updated, provide an insurance bill that is dated within the last 30 days as an alternative.
Frequently Asked Questions
How often should I upload proof of insurance?
Upload your proof of insurance once per plan year to verify active coverage and continue receiving reimbursements.
What should I do if my portal only shows the "Shop" screen?
Click "Shop" and proceed through the shopping flow.
Select an option like "I already have a plan" or "Enter plan details manually."
Manually enter plan details (e.g., carrier, plan name, and monthly premium).
Upload your proof of coverage when prompted and submit to complete the process. Tip: Using a computer is recommended for better visibility of options.