Document rejected for missing information? The most common rejection reasons are: (1) document doesn't show your name as the covered person — if you're on a spouse's plan, you need a dependent enrollment letter in addition to the insurance card; (2) no premium amount shown — required for premium reimbursement; (3) coverage dates are missing or expired; (4) document date is more than 30 days old. Scroll to 'Common rejection reasons' below to fix your specific issue and resubmit without contacting support.
This article is for employees participating in an Individual Coverage HRA (ICHRA) or Qualified Small Employer Health Reimbursement Arrangement (QSEHRA) administered through Take Command.
What documents can I submit?
Commonly accepted Proof of Coverage documents include:
Monthly insurance bill or statement
Certificate of Coverage
Insurance carrier enrollment confirmation
Marketplace enrollment confirmation
COBRA election notice
Screenshot from your insurance carrier's online member portal
Medicare documentation, when applicable
Your document must clearly verify active health insurance coverage.
What information must my document include?
Your documentation should include:
Your name (or show you as a covered dependent)
Insurance carrier name
Health plan name
Proof that coverage is active
Coverage effective date, when applicable
Premium amount if you're requesting premium reimbursement
If one document doesn't contain all required information, you may upload multiple supporting documents.
What documents are generally not accepted?
The following documents usually don't contain enough information by themselves:
Insurance ID cards
Payment history only
Bank statements
Credit card statements
Additional documentation may be required to verify active coverage.
When does this article not apply?
This article explains what documents are accepted as Proof of Coverage.
It does not explain how to upload documents or how long reviews take.
Key takeaway
Accepted Proof of Coverage documents must clearly verify that you have active health insurance coverage and include the information needed to confirm your reimbursement eligibility.
Common rejection reasons and exactly what to resubmit
These are the four most frequent reasons proof of coverage is rejected, and what to submit instead:
Your name doesn't appear on the document (on a spouse's or partner's plan): Submit two documents together — (1) the insurance card from your plan, and (2) an enrollment confirmation letter or benefits summary from the carrier that lists you by name as a covered dependent. An ID card showing only your spouse's name is not sufficient on its own. Most carriers can email or mail this letter within 1–3 business days of request.
No premium amount shown: Insurance ID cards rarely show the monthly premium. Supplement the card with one of: a monthly billing statement from the carrier, an enrollment confirmation letter that includes the premium amount, or a Summary of Benefits and Coverage (SBC) that lists your monthly cost.
Coverage dates are missing or show a past period: Request a current enrollment confirmation letter from your carrier showing your active coverage start date and plan year. If your plan recently renewed, submit documentation for the current plan year — prior year documents are not accepted even if you have continuous coverage.
Document date is more than 30 days old: The document itself must be dated within the last 30 days — this is about when the document was issued, not when your coverage started. Request a new billing statement or enrollment letter from your carrier dated within the last 30 days.
After resubmitting, compliance review typically takes a few business days. If your status still shows non-compliant after resubmitting and you believe your documents are correct, contact Customer Experience with your full name, company name, the specific rejection reason shown in the portal, and the document(s) you submitted.