If you select a self-enroll health insurance plan, you are responsible for completing enrollment directly with the insurance carrier and ensuring your monthly premium payments are set up and maintained with the carrier.
What is a Self-Enroll insurance plan?
You enroll directly with the insurance carrier
A self-enroll plan means:
You select a health plan in or outside the Take Command platform
You complete enrollment directly on the insurance carrier’s website
You are responsible for setting up premium payments with the carrier
Take Command does not complete enrollment or full payment setup for you
After enrollment, you typically confirm your coverage and premium details in your Take Command account for reimbursement tracking.
Who is responsible for paying premiums?
You are responsible for paying the insurance carrier directly
For self-enroll plans:
You pay your monthly premium directly to your insurance company
The insurance carrier manages billing and payment collection
Your employer does not pay the carrier on your behalf (unless a separate AutoPay setup applies)
Failure to pay premiums directly to the carrier may result in loss of coverage.
How do I set up premium payments?
Payments are set up directly with your insurance carrier
After selecting your plan:
Go to the insurance carrier’s website or contact member services
Create or log into your carrier account
Enter payment information (bank account or card, depending on carrier rules)
Enable automatic monthly payments if available
Confirm your first premium payment is successfully processed
Some carriers may require an initial “binder payment” before coverage becomes active.
Do I pay through Take Command?
No, Take Command does not collect your premium payments
For self-enroll plans:
Take Command does not bill you for premiums
Payments are handled directly between you and your insurance carrier
You may use Take Command-provided payment details only if specifically instructed under an AutoPay arrangement
What happens if I receive a bill from my insurance company?
You should always follow your carrier’s billing instructions
If you receive a bill:
Check whether your carrier requires direct payment setup
Confirm your payment method is active in the carrier’s portal
Pay the bill using the carrier’s instructions unless AutoPay is explicitly handling payments
A bill from the carrier is normal and means your enrollment is active or pending payment setup.
What is my responsibility under a Self-Enroll plan?
You are responsible for three key actions
1. Complete enrollment
Submit your application directly with the insurance carrier
Confirm your coverage effective date
2. Set up payment
Add payment method in carrier portal
Enable recurring monthly payments (if available)
Ensure payments are successfully processed each month
3. Maintain proof of coverage
Upload proof of coverage in Take Command
Keep premium amounts and policy details updated
Submit documentation when requested for reimbursement verification
What happens if payment is not set up correctly?
Your coverage may be at risk
If premium payments are not successfully processed:
The insurance carrier may issue delinquency notices
Coverage may be suspended or canceled
You may lose eligibility for HRA reimbursements
It is your responsibility to confirm that payments are active and recurring.
How does Take Command use my payment information?
Only for reimbursement tracking and validation
Take Command may use your submitted information to:
Verify your premium amount
Confirm eligibility for reimbursements
Track coverage status for your HRA
Generate reimbursement reports for your employer
Take Command does not directly initiate carrier payments for self-enroll plans.
What is the difference between Self-Enroll and Easy Enroll?
Payment responsibility is the key difference
Self-Enroll: You handle enrollment and payment directly with the carrier
Easy Enroll: Take Command handles enrollment and payment setup for you
Self-enroll requires more direct interaction with the insurance carrier but offers more flexibility in plan selection.