Employees who purchase health insurance outside of Take Command must upload their proof of coverage through the Member Portal before their coverage can be reviewed for HRA reimbursement eligibility.
When do I need to upload proof of coverage?
Upload proof of coverage if you:
Purchased your health insurance outside of Take Command.
Enrolled through a licensed insurance broker.
Purchased coverage directly from an insurance carrier.
Purchased coverage through the Health Insurance Marketplace.
Already had qualifying individual health insurance before becoming eligible for your HRA.
If you enrolled through Take Command, you do not need to manually upload proof of coverage unless you're asked to provide additional documentation.
How do I upload proof of coverage?
Log in to your Take Command Member Portal.
Enter your health insurance plan information.
Upload your proof of coverage document.
Submit your information for review.
Monitor your Member Portal and email for updates on your submission.
If the Health Insurance section or the option to indicate existing coverage ('I Already Have a Plan' or similar) is not visible in your portal, contact Customer Experience — this may indicate an account setup or eligibility configuration issue. Browser troubleshooting will not resolve it.
What if my carrier is not listed in the dropdown?
If your insurance carrier does not appear in the portal dropdown:
Select 'Other' from the dropdown and enter your carrier name manually.
If the 'Other' option is not visible, contact Customer Experience — they can add the carrier or adjust your submission manually.
Common carriers not listed: Local or regional plans, co-ops, and some Medicaid-adjacent plans may not appear. 'Other' covers these cases.
Do not select a different carrier as a workaround — entering an incorrect carrier will cause your submission to be rejected.
What if I need to upload proof for a Qualifying Life Event?
If your coverage changed due to a Qualifying Life Event (marriage, birth, job change, loss of prior coverage), upload your updated proof of coverage through the QLE workflow in the portal:
Navigate to Health Insurance → Qualifying Life Event
Select your event type and enter the event date
Upload both the QLE documentation (e.g., marriage certificate, birth certificate, loss of coverage letter) and your new proof of coverage
If the QLE workflow is not visible or your QLE was not approved, contact Customer Experience — they can review your eligibility and unlock the upload path
What documents can I upload?
Your proof of coverage should clearly show:
Your name
Insurance carrier
Plan name
Effective coverage date
Monthly premium amount (required for premium reimbursements)
If the uploaded document doesn't include enough information to verify your coverage, you'll be asked to submit additional documentation. Note: HEIC files (common on iPhone and iPad) are not supported — convert to JPEG, PNG, or PDF before uploading.
If your insurance carrier is not listed in the portal dropdown, select 'Other' and enter the carrier name manually. If the 'Other' option is not visible, contact Customer Experience (CX).
What happens after I upload my proof of coverage?
After you submit your documentation, Take Command reviews it to verify that your coverage is eligible for HRA reimbursement.
You may receive one of the following results:
Your proof of coverage is approved.
You're asked to provide additional information.
You're asked to upload a different or corrected document.
You'll receive updates through your Member Portal and, when applicable, by email. If your submission has been in Pending or Reviewing status for more than a few business days without updates, contact Customer Experience.
Uploading proof of coverage does not automatically start your premium reimbursement. After your proof of coverage is approved, you must set up a recurring premium in the Reimbursements section to receive monthly premium reimbursements. See 'ICHRA & QSEHRA Employee: Submitting a Recurring Health Insurance Premium' for instructions.
What if my proof of coverage is not approved?
If your documentation cannot be verified, you'll receive instructions explaining what additional information or documents are needed.
Common reasons proof of coverage is not approved, and how to fix them:
Metal tier not shown: ACA Marketplace plans must display the metal tier (Bronze, Silver, Gold, or Platinum). Upload an enrollment confirmation or Summary of Benefits that shows the plan tier.
Name not visible: Your name must appear on the document. If you are a covered dependent, include an enrollment confirmation letter showing your name alongside the primary member’s card.
Coverage dates missing or outdated: Your document must show a current coverage start date. Supplement with an enrollment confirmation letter from your carrier if your ID card does not include dates.
Monthly premium amount missing: For premium reimbursements, your document must show the monthly amount you pay. Supplement with a billing statement if your ID card or summary does not include this.
HEIC file format: Photos taken on iPhone or iPad save as HEIC, which is not supported. Convert to JPEG, PNG, or PDF before uploading.
Rejection reason unclear (‘non-compliant’ or ‘additional steps required’): If the portal does not show a specific reason, contact Customer Experience — they can review your submission and confirm exactly what needs to be corrected.
Upload the requested documentation through your Member Portal so your review can continue.
Key takeaway
If you purchased your health insurance outside of Take Command, you must upload proof of coverage through your Member Portal so your coverage can be reviewed for HRA reimbursement eligibility. Once your documentation is submitted, you'll receive updates if it's approved or if additional information is required.
Common issues when uploading proof of coverage
The upload option is not visible in my portal
If the Health Insurance section, the 'I Already Have a Plan' option, or the upload area is not visible in your portal, this is a backend eligibility or account configuration issue — browser troubleshooting will not resolve it. Contact Customer Experience with your name, employer name, and a screenshot of what you see in your portal.
My document was rejected but I am not sure why — the portal doesn't show a reason
If neither the portal nor your email shows a specific rejection reason, contact Customer Experience. Include your name, employer name, and the date you submitted the document. They can review your submission and confirm exactly what needs to be corrected before you resubmit.
My file is in HEIC format (iPhone/iPad photo) and won't upload
HEIC is not supported by the portal. Convert your file before uploading:
On iPhone: go to Settings → Camera → Formats and select 'Most Compatible' to take future photos as JPEG.
On Mac: open the HEIC file in Preview, use File → Export, and save as JPEG or PDF.
On Windows: use a free online HEIC-to-JPEG converter.
I uploaded proof of coverage but no reimbursements are appearing — why?
Uploading proof of coverage is only one step in the reimbursement process. After your proof of coverage is approved:
For premium reimbursements: you must also set up a recurring premium entry in the Reimbursements section of your portal.
For medical expense reimbursements: you must submit each eligible expense separately.
Proof of coverage approval enables reimbursements — it does not automatically trigger them. See the article 'Submitting a Recurring Health Insurance Premium' for next steps.
My QLE documentation was submitted but proof of coverage upload is not available
If you submitted a qualifying life event but the proof of coverage upload option remains unavailable, your QLE may not yet be verified in the system. QLE verification must be completed before the upload path becomes available.
Contact Customer Experience with your name, your qualifying life event, the date it occurred, and a screenshot of the locked or missing upload option. If your 60-day QLE window is approaching, say so explicitly — CX can prioritize verification for time-sensitive situations.