Proof of coverage statuses show where your documentation is in the review process.
Submitted
Your document has been received but has not yet been reviewed.
Pending
Your document is under review. Review typically takes 7–10 business days. During high-volume periods such as Open Enrollment, review may take up to 30 days.
No action is required unless additional information is requested.
Approved
Your proof of coverage has been reviewed and accepted.
Rejected or Needs Action
Additional information or corrected documentation is required. A specific reason should appear in the Benefits or Proof of Coverage section of your portal, and an email notification is typically sent to your registered address.
Follow the instructions provided and upload updated documentation.
How will I know if my status changes?
You may receive:
Email notifications
Member Portal updates
Requests for additional information
What if the status hasn't changed for more than 10 business days?
If your status remains Submitted or Pending for more than 10 business days without any email or portal update, contact Customer Experience. Include your name, employer name, and the date you submitted. They can locate your document in the review queue and confirm its status.
What if the portal shows Approved but I still can't submit reimbursements?
Proof of Coverage approval and reimbursement access are separate steps:
Approved means your coverage was verified. It does not automatically enable reimbursements.
For premium reimbursements: go to the Reimbursements section and set up a recurring premium entry.
For medical expense reimbursements: submit each eligible expense individually in the Reimbursements section.
If the Reimbursements section is missing from your portal after approval, contact Customer Experience — this is a backend account configuration issue.
What are common reasons for a Rejected status?
Most rejections are caused by:
Missing insured name
Missing or expired coverage dates
Missing monthly premium amount (required for premium reimbursements)
Unreadable or truncated document
Plan does not meet Minimum Essential Coverage (MEC) requirements
HEIC file format — convert iPhone photos to JPEG, PNG, or PDF
Document is a duplicate of a previously submitted file
Check the Benefits section of your portal and any email from Take Command for the specific rejection reason before resubmitting.