Once you submit proof of your insurance coverage for us to verify that your plan is eligible for reimbursement, you can submit your monthly premium as a recurring expense. That means you won't have to submit your premium to us every month!
Instead, we'll set it up to automatically be applied to your reimbursement amount each month, and we will only ask for new evidence either quarterly or annually depending on how your benefit is set up. This means that once your documentation is approved and your recurring reimbursement is set up, you don't need to resubmit every month unless there are changes to your plan or premium amount.
When entering reimbursement details, it’s important to understand 'Plan Premium' and 'My Cost':
Plan Premium refers to the total monthly cost of the insurance plan.
My Cost, highlighted in red during plan selection, shows the amount you pay out of pocket after your employer’s allowance is applied. If your premium exceeds the allowance, the remaining amount marked as 'My Cost' is deducted from your paycheck.
Before submitting your proof of insurance coverage, ensure that your HRA is active, your plan is eligible under the company’s policy, and allowance funds are available. If these criteria are not met, the reimbursement process cannot proceed.
What to provide for proof of your premium
If you are setting up a recurring premium claim, we must see a current date on the document you provide to verify your premium amount for compliance. Even if you are on the same plan as the previous year, as part of our review process, we need evidence of the amount in the current time frame. Additionally, if you are looking to have your coverage backdated, we will need documentation showing your account has been active and in good standing from the date you are claiming.
Make sure to enter your actual premium amount, not the reimbursement allowance offered by your employer. This ensures our compliance team can verify your documentation accurately.
The base requirements for documentation are as follows (multiple documents can be submitted if they are needed to fulfill our requirements, but it is recommended that you combine them into a single PDF before uploading):
• Your name - (the name of the HRA-eligible person- If you are not the primary insured then we will need to see that you are a covered dependent.)
• The premium amount - (if you are claiming it for reimbursement)
• Statement of backdated coverage – (if you are claiming any premiums from past months)
• A current date - (a document dated within the last 30 days is considered current for compliance purposes.)
• The name of the plan + provider- (i.e. Gold/Silver/Bronze 1234 with Insurance Companies Logo)
Here are some good examples of what you can provide for proof of your monthly premium:
A monthly bill or a benefits/elections summary document are highly recommended as they effectively fulfill most requirements.
· Monthly bill from your insurance company
· Screenshot showing billing history (if you are trying to backdate)
· Screenshot from your online portal with your insurance company showing your premium amount and due date
· A paystub (if your premium is paid through a spouse's group plan)
· Benefits Election Form from (spouse's group plan)
How to submit proof of your premium
When you're logged into your member portal, in your Dashboard click "Add Monthly Premium."
If you are submitting entries for 2025 premiums and expenses, use the legacy Take Command platform. For 2026 and subsequent entries, utilize the updated HRA Hub platform to avoid processing errors.
Once the window above opens, you'll choose the date range of when the premium should be claimed and the frequency. To select the dates of coverage, click the starting month and ending month! Frequency depends on how often you pay your premium. It's usually monthly, but if you are insured through your spouse's employer's group plan it may be paid bi-weekly.
You'll then be able to upload a document for our compliance team to review. This document should fulfill the requirements above, and the preferred formats are PDF, PNG, and JPG/JPEG.
Once that's submitted, our compliance team will review it and get back to you with a decision, or if they need additional information for review.
Reimbursements are typically processed on a monthly basis. If an issue arises or if a denial occurs, ensure to include notes in the resubmission, indicating corrections or additional context for quicker review.
Always ensure to use the correct platform for submitting premiums and claims. This means using the legacy Take Command platform for 2025 items and the HRA Hub for 2026 onwards. Selecting the wrong platform can delay approvals or cause denials.
Frequently Asked Questions
Troubleshooting Common Issues
Why is the "Add Monthly Premium" button greyed out? Ensure your HRA is active, your allowance isn’t depleted, and your account hasn’t been terminated. Addressing these issues should enable the button.
Plan Year Mismatch: Claims submitted against the wrong plan year will be denied. Verify premiums align with your HRA plan year (e.g., 2026 premiums must match 2026 allowances).
Outdated Documentation: If claims are declined due to old member details or plan information, resubmit with updated proof reflecting current premiums and coverage.
Platform Selection Errors: Use the legacy platform for 2025 entries and HRA Hub for 2026 entries. Incorrect platform usage may cause login issues or processing errors.
Discrepancies in 'My Cost': Ensure your employer’s allowance is correctly applied, and verify coverage tiers and payment schedules to address unexpected differences.
Will I need to re-submit documents every month?
No, Proof of Coverage is a one-time submission for recurring premium expenses. As long as your documentation remains compliant and the plan stays eligible, reimbursements will continue automatically until the end of the plan year.
Can I claim reimbursements for past months?
Yes, as long as your document includes a statement confirming backdated coverage for those months.
What happens if my information changes?
If there are updates to your plan, premium amount, or eligibility, you'll need to upload new Proof of Coverage to ensure uninterrupted reimbursements.
If you are still having issues with this process, please feel free to reach out to our Support team by either emailing support@takecommandhealth.com or reaching out through the chat icon on the bottom right-hand corner of our site.
Before reaching out, double-check your Proof of Coverage for issues like missing information or outdated details, since resolving these proactively can often prevent delays.