Health insurance applications are reviewed by the insurance carrier, and most employees receive an approval decision before their coverage effective date if all required information is submitted on time.
Who approves my health insurance application?
The insurance carrier approves or denies health insurance applications.
After you submit your enrollment:
Your application is sent to the insurance carrier.
The carrier reviews your information.
The carrier determines whether additional information is needed.
The carrier approves the application, requests corrections, or identifies an enrollment issue.
Take Command does not approve health insurance applications.
How long does application approval take?
Approval timelines vary by insurance carrier.
Most applications are processed within a few days, but processing times may depend on:
The insurance carrier
The time of year
Whether additional documentation is required
Whether the application is complete and accurate
Processing may take longer during Open Enrollment or other high-volume enrollment periods.
How will I know if my application is approved?
The insurance carrier typically provides confirmation once enrollment has been processed.
You may receive:
An approval email
Enrollment confirmation documents
A welcome packet
Access to the carrier's member portal
Insurance ID card information
Communication methods vary by carrier.
How can I check my enrollment status?
To review your enrollment status:
Log in to your Take Command account.
Navigate to your enrollment or plan information.
Review any available status updates.
Check for requests for additional information.
If action is required, complete any requested tasks as soon as possible.
What does it mean if my application is still pending?
A pending status generally means the carrier is still reviewing your application.
Pending applications may require:
Additional processing time
Additional documentation
Corrections to submitted information
Verification of enrollment details
A pending status does not necessarily indicate a problem.
What can delay application approval?
The most common cause of delays is incomplete or incorrect information.
Approval may be delayed if:
Required fields are incomplete
Personal information does not match carrier records
Dependent information is missing
Supporting documentation is required
The carrier is experiencing high enrollment volume
Submitting complete and accurate information helps reduce delays.
What happens if the carrier needs more information?
If the carrier requires additional information, you may receive a request to:
Verify personal information
Submit supporting documentation
Correct application details
Complete carrier-specific requirements
Responding promptly can help avoid delays in coverage activation.
What happens after my application is approved?
After approval, the carrier may provide:
Enrollment confirmation
Coverage effective date information
Member portal access
Insurance ID cards
Billing or payment instructions
Be sure to review all communications from the carrier and complete any required next steps.
What if I have not received an approval decision?
If you have not received a decision and your coverage effective date is approaching:
Review your Take Command account for updates.
Check your email, including spam and junk folders.
Look for requests for additional information.
Contact Take Command Customer Experience (CX) team if you believe additional assistance is needed.
Does approval mean my coverage is active?
Not always. Some carriers require additional actions before coverage becomes active, such as:
Making a binder payment
Setting up premium payments
Completing carrier-specific enrollment requirements
Follow all instructions from the insurance carrier to ensure coverage is activated successfully.