Take Command allows employees to add dental coverage and receive reimbursement for eligible premiums. This article outlines the steps to add dental coverage, the reimbursement process, and important considerations based on your HRA type.
Overview of Dental and Vision Insurance Options
Employees can add dental coverage through external providers or Take Command’s partner platforms. For example, if your employer has enabled dental coverage, you may shop for plans through Take Command’s dental partner, Renaissance Dental. Alternatively, you can enroll directly in an individual dental plan, such as those offered by Blue Cross Blue Shield (BCBS). However, specific plans like Blue Shield CA Family Dental PPO are not available through Take Command’s platform. Additionally, vision plans are available through providers like VSP (http://www.vsp.com/) and Amfirst (https://brokers.insuranceforeveryone.com/?Portal=17414586-1). Renaissance Dental plans can be explored at http://www.myrencoverage.com/takecommand.
Steps to Add Dental Coverage and Vision Coverage
If you were not prompted to add dental coverage during onboarding, you can still add it later by following these steps:
Log in to your Take Command portal.
Navigate to your dashboard and select Add Recurring Premium Claim.
Choose Add a new reimbursement option.
Select Dental as the insurance type and complete the required details.
Upload proof of coverage (POC) to finalize the process.
Reimbursement Eligibility and Process
To be eligible for reimbursement:
Upload proof of coverage (POC) in the Take Command portal.
Set up a recurring premium claim for your dental coverage.
Take Command supports reimbursement for individual dental premiums and qualified medical expenses. However, reimbursement eligibility depends on the type of HRA your employer offers:
QSEHRA: Generally allows reimbursement for dental premiums.
ICHRA: Does not reimburse group dental premiums but can reimburse individual dental premiums.
QSEHRA: Also allows reimbursement for vision premiums, provided proof of coverage is submitted.
Partner Platforms and Enrollment Details for Dental and Vision
If your employer has enabled dental coverage, you will be prompted to shop for dental plans after selecting your medical insurance. You will be redirected to Take Command’s dental partner, Renaissance Dental, to complete enrollment. Once enrolled, set up a recurring premium claim in the Take Command portal to receive reimbursement. Vision plans can be explored through VSP (http://www.vsp.com/) and Amfirst (https://brokers.insuranceforeveryone.com/?Portal=17414586-1), which also offer dental options. Ensure to set up a recurring premium claim for reimbursement.
Key Considerations
Ensure your HRA settings allow dental premium reimbursement.
Family members’ premiums may also be eligible for reimbursement, even if they live in different ZIP codes or counties.
Renaissance Dental, VSP, and Amfirst operate independently; contact their customer service teams for plan-specific questions.
Only dental and vision plans are eligible for HRA reimbursement when using Amfirst.
By following these steps and guidelines, you can successfully add dental coverage and receive reimbursement through Take Command.