If you choose a Self-Enroll health insurance plan, you are responsible for completing enrollment with the insurance carrier, maintaining your coverage, and paying your monthly premiums directly to the carrier.
What is a Self-Enroll plan?
A Self-Enroll plan is a health insurance plan that you purchase directly from the insurance carrier.
With Self-Enroll:
You choose your health insurance plan.
You complete enrollment directly with the carrier.
You manage your policy after enrollment.
Take Command does not complete enrollment or manage your policy for Self-Enroll plans.
What are my responsibilities?
As the policyholder, you are responsible for:
Completing enrollment with the insurance carrier.
Paying your monthly premiums.
Maintaining active health insurance coverage.
Updating your payment information with the carrier.
Responding to requests from the carrier.
Uploading proof of coverage when required for your HRA.
What does Take Command do?
Take Command helps support your HRA by:
Reviewing proof of coverage.
Verifying premium amounts.
Confirming reimbursement eligibility.
Supporting employer reimbursement reporting.
Take Command does not manage your insurance policy or premium payments.
When does this article not apply?
This article applies only to Self-Enroll plans.
It does not apply to employees using Easy Enroll.
Key takeaway
With Self-Enroll, you are responsible for managing your health insurance directly with the insurance carrier after selecting your plan.
Common questions for Self-Enroll employees
I enrolled with the carrier but cannot find confirmation — how do I verify my enrollment is complete?
Log in to your insurance carrier's member portal or app and confirm:
Your plan status shows as Active.
Your coverage effective date is correct.
Your covered dependents are listed.
If coverage is not yet showing in your carrier portal, allow 5–10 business days after your enrollment application was submitted. If it has been more than 10 business days and your carrier account shows no active plan, contact your carrier directly — not Take Command. Take Command does not manage policy activation for Self-Enroll plans.
I received a bill from my carrier — do I need to pay it?
Yes. Receiving a bill means your carrier expects payment. Pay it directly to the carrier by the due date to keep your coverage active.
Many carriers send a monthly statement even when autopay is set up. A statement is not the same as a missed payment. Verify whether autopay is active in your carrier account — if it is, the statement is informational. If autopay is not active, submit payment before the due date.
My coverage was canceled for non-payment — what do I do?
Contact your insurance carrier immediately. Carriers typically have a grace period (often 30 days) after a missed payment before coverage is formally terminated. If the grace period has not passed, you may be able to reinstate coverage by paying the overdue premium.
If coverage has lapsed, you may need a qualifying life event to re-enroll during a Special Enrollment Period. Contact Customer Experience after reinstating or re-enrolling — you will need to upload updated proof of coverage in your Take Command Member Portal before reimbursements can resume.
After enrolling with the carrier, do I need to do anything in the Take Command portal?
Yes. After completing enrollment with the carrier:
Wait to receive your insurance ID card or enrollment confirmation from the carrier (usually 2–4 weeks).
Sign in to your Take Command Member Portal and navigate to the Health Insurance section.
Upload proof of coverage using your enrollment confirmation, insurance ID card, or monthly billing statement.
Once proof of coverage is approved, set up a recurring premium reimbursement in the Reimbursements section to begin receiving monthly premium reimbursements.
Reimbursements are not automatic — they require an approved proof of coverage and an active recurring premium entry.