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ICHRA & QSEHRA Employee: Submitting a One-Time Medical Expense for Reimbursement

This article is for employees participating in an Individual Coverage HRA (ICHRA) or Qualified Small Employer HRA (QSEHRA) administered through Take Command whose employer allows reimbursement for eligible medical expenses.

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Written by David Hung

If your employer's HRA reimburses medical expenses, you can submit eligible one-time medical expenses through your Member Portal after your proof of coverage has been approved.

Can I submit medical expenses?

It depends on your employer's HRA.

Some employers reimburse:

  • Health insurance premiums only.

Others reimburse:

  • Health insurance premiums.

  • Eligible medical expenses allowed under IRS Publication 502.

If medical expense reimbursement is available, the Add Expense option appears after your proof of coverage has been approved.


How do I submit a medical expense?

  1. Sign in to your Member Portal.

  2. Select Add Expense.

  3. Choose the family member who received the service.

  4. Enter the requested expense information.

  5. Upload supporting documentation.

  6. Submit the claim.

Each submission should include expenses from only one date of service.


What documentation is required?

Documentation must clearly show:

  • Patient name

  • Medical provider

  • Date of service

  • Description of service

  • Amount charged

The date of service, not the billing date, determines eligibility.


What happens after I submit?

Your reimbursement request is reviewed for eligibility and compliance.

You'll receive one of the following:

  • Approved

  • Request for additional information

  • Denied


When does this article not apply?

This article applies only to one-time medical expenses.

Monthly insurance premiums should be submitted as recurring premiums.


Key takeaway

Submit one medical expense for one date of service with complete supporting documentation to help avoid reimbursement delays.


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