You may submit a retroactive reimbursement claim for eligible months if you had qualifying health coverage during the period being claimed and can provide the required documentation.
What is a retroactive reimbursement claim?
A retroactive reimbursement claim is a request for reimbursement of eligible expenses incurred during a previous month.
Employees may be able to receive reimbursement for prior months if all ICHRA eligibility requirements were met during the period being claimed.
When can I submit a retroactive reimbursement claim?
You may submit a retroactive reimbursement claim if:
You were eligible for the ICHRA during the month being claimed.
You had qualifying health coverage during that month.
You can provide any required documentation.
Reimbursements are only available for months in which you were eligible and covered.
What documentation is required?
You must provide proof that you had qualifying health coverage during the period being claimed.
Examples may include:
Proof of coverage documents
Insurance policy documents
Premium invoices
Carrier confirmation letters
Other documentation requested by Take Command
Documentation must clearly support the reimbursement period.
Can I submit a claim if my insurance coverage was reinstated?
Yes. If your insurance carrier reinstates your coverage retroactively, you may be eligible to request reimbursement for the reinstated coverage period.
You may be asked to provide documentation showing:
The coverage was reinstated
The effective coverage dates
The premium amount owed for that period
When are retroactive claims not eligible?
Retroactive reimbursement claims are generally not eligible if:
You did not have qualifying health coverage during the month being claimed.
You were not eligible for the ICHRA during that month.
Required documentation cannot be provided.
The expense is not eligible under your employer's ICHRA plan.
Coverage must have been active during the reimbursement period.
Does submitting a retroactive claim guarantee reimbursement?
No. All reimbursement requests are subject to eligibility verification and plan rules.
Submitting documentation does not automatically guarantee reimbursement.
How do I submit a retroactive reimbursement claim?
Log in to your Take Command account.
Gather documentation supporting the reimbursement period.
Submit any required proof of coverage or premium information.
Respond to any requests for additional information.
Monitor your account for claim updates.
Who should I contact if I need help?
If you have questions about:
Retroactive reimbursement claims
Coverage verification
Documentation requirements
Reimbursement eligibility
Contact Take Command Customer Experience (CX) team for assistance.