If you enrolled in a Self-Enroll health insurance plan, you must pay your insurance premiums directly to your insurance carrier. Take Command does not collect or process premium payments.
Who pays my health insurance premium?
You are responsible for paying your insurance carrier directly.
The insurance carrier:
Bills you for your premiums.
Collects your payments.
Manages your billing account.
Take Command does not collect premium payments for Self-Enroll plans.
How do I set up premium payments?
After enrolling with the insurance carrier:
Create or sign in to your carrier account.
Add your payment method.
Set up automatic payments if available.
Make any required initial binder payment.
Verify that your first payment is successful.
Continue monitoring your account to ensure future payments are processed.
What should I do if I receive a bill?
Receiving a bill from your insurance carrier is normal.
If you receive a bill:
Review the billing statement.
Confirm your payment method is active.
Submit payment directly to the insurance carrier if payment is due.
Always follow your carrier's billing instructions.
What happens if I miss a payment?
If premiums are not paid:
Your carrier may send delinquency notices.
Your coverage may be suspended or terminated.
You may lose eligibility for HRA reimbursements.
Maintaining active coverage is your responsibility.
When does this article not apply?
This article explains premium payments for Self-Enroll plans.
It does not explain reimbursement requests or HRA eligibility.
Key takeaway
Employees enrolled through Self-Enroll are responsible for paying their insurance carrier directly and keeping premium payments current.
Common payment questions for Self-Enroll employees
My carrier is billing me more than my monthly allowance — do I need to pay the difference myself?
Yes. Your HRA allowance is the maximum amount your employer contributes toward your health insurance premium. If your premium exceeds your allowance, you are responsible for paying the difference directly to your carrier.
Example: if your monthly premium is $450 and your monthly HRA allowance is $300, you pay $450 to the carrier and submit a recurring premium reimbursement claim for $300 through Take Command. Your employer reimburses up to $300 — not the full $450.
I set up a binder payment at enrollment — will future months be billed automatically?
A binder payment activates your coverage for the first month only. Ongoing monthly premiums must be paid separately. Check whether your carrier automatically set up recurring billing from the payment method you used for the binder, or whether you need to enroll in autopay manually through your carrier's member portal.
Many carriers require you to log in to your member portal and explicitly set up recurring payments after the binder payment. If you do not set up autopay, you will receive monthly bills requiring manual payment.
My coverage was terminated because of a missed payment — can Take Command help?
Take Command cannot reinstate your insurance coverage — contact your carrier directly. Carriers often have a grace period before formal termination; contact them as soon as possible after a missed payment.
Once your coverage is reinstated or you re-enroll in a new plan, upload updated proof of coverage in your Take Command Member Portal. Reimbursements cannot resume until your coverage is active and proof is approved.
I'm receiving bills from my carrier but also set up autopay — which one do I follow?
If autopay is active with your carrier, the monthly statement you receive is typically informational — a record of the payment that was or will be automatically processed. Check your bank statement or the payment history in your carrier portal to confirm the autopay is successfully processing each month.
If a statement shows a balance due that autopay has not covered, submit payment directly before the due date.