How to Waive Employer-Sponsored Insurance Benefits or Manage Transitions to New Coverage
If you no longer wish to use your employer-sponsored insurance benefits or need to transition to new coverage, this guide provides step-by-step instructions for waiving benefits, managing proof of coverage, and addressing common issues.
Overview of Waiving Coverage
Waiving employer-sponsored insurance benefits, such as HRA or ICHRA, allows you to opt out of the program if you have other coverage or no longer wish to participate. This process typically involves logging into your benefits portal, selecting the waiver option, and confirming your decision. Waiving coverage means you will not receive reimbursements for the plan year.
Step-by-Step Waiver Procedures
Waiving Through the Take Command Portal
Log in to your Take Command member portal.
Choose one of the following waiver paths: - Waive due to other coverage: Select the option to waive coverage because you’re already insured (e.g., Medicare or another plan). Follow the prompts to confirm. - Waive after entering household income: Enter your household income in the portal; you’ll then be offered the option to waive the benefit instead of selecting a plan. - Waive without selecting a plan: Skip plan selection and choose to waive coverage immediately.
Save or screenshot the confirmation page for your records.
Waiving Through the HRA Hub Portal
Access your account via the welcome email or login page.
Select enrollment options for the plan year and choose "Waive coverage (opt out)."
Follow the on-screen instructions to finalize and submit your waiver.
Save the confirmation page for your records.
Waiving After Renewal or Premium Payment
Cancel your individual health insurance policy directly with your insurance carrier.
Use the member services number on your insurance card to request cancellation.
After cancellation, complete the waiver process in your employer’s program to stop participation and avoid payroll deductions.
Managing Proof of Coverage
If your new insurance carrier requires proof that your previous plan is canceled:
Contact your previous insurer and request documentation confirming the cancellation.
Submit this documentation to your new insurance carrier to proceed with enrollment.
If you want to continue participating in HRA benefits with new coverage:
Upload proof of your new coverage in the Take Command member portal.
Set up a new recurring premium claim for your updated premium amount.
Common Issues and Resolutions
Charges After Waiving Coverage
If you waived coverage but are still being charged:
Verify you received the waiver confirmation and retain it as documentation.
Ask your employer or benefits administrator to update your roster status to "waive."
Cancel any old recurring premium claims in your Take Command member portal.
Missing Waiver Option
If the option to waive coverage does not appear in your account, check if your status is already marked as "Declined." If so, the waiver option will no longer be available.
FAQs
Can I waive coverage if my new insurance starts later?
Yes, but you must cancel your current plan before waiving coverage. Be aware that you will not have active insurance during the gap period.
What if I’m enrolling in my spouse’s employer plan?
You can waive your HRA coverage by following the waiver instructions in your account or benefits portal.
Can plans purchased outside of Take Command be approved for HRA use?
Yes, upload proof of coverage in HRA Hub for compliance review. The status will be updated in your dashboard. By following these steps and guidelines, you can effectively manage your employer-sponsored insurance benefits and transitions to new coverage.