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ICHRA & QSEHRA Employee: Accepted Proof of Coverage Documents

This article is for employees participating in an Individual Coverage HRA (ICHRA) or Qualified Small Employer HRA (QSEHRA) administered through Take Command.

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Written by David Hung

Proof of coverage must clearly show that you had active health insurance coverage during the reimbursement period.

What information must my document include?

Your documentation should clearly show:

  • Your name

  • Insurance carrier

  • Plan name, if available

  • Coverage effective date

  • Confirmation that coverage is active

If you're requesting premium reimbursement, include your premium amount whenever possible.


What documents are accepted?

Commonly accepted documents include:

  • Insurance ID card showing active coverage

  • Coverage confirmation letter

  • Insurance invoice or premium bill

  • Marketplace enrollment confirmation

  • Insurance carrier account summary

  • Medicare documentation, if applicable

  • Other official insurance documents showing active coverage


Why might my document be rejected?

Documentation may be rejected if it:

  • Doesn't identify the covered individual.

  • Doesn't show active coverage.

  • Is incomplete or unreadable.

  • Doesn't verify the reimbursement period.


When does this article not apply?

This article explains acceptable documentation only.

It does not explain how to upload proof of coverage or review its status.


Key takeaway

Submit clear, complete documentation that verifies active health insurance coverage during the reimbursement period to avoid delays.

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