If your health insurance changes mid-year — whether you switch plans, your premium amount changes, or you move from one type of coverage to another — you must update your proof of coverage and recurring reimbursement claim in the Take Command portal. Failing to do so will cause your reimbursements to reflect the wrong plan or amount.
Your new insurance plan must still meet ICHRA or QSEHRA eligibility requirements to remain eligible for reimbursement. Before switching, confirm that your new plan qualifies — see the Help Center for eligible plan types.
If your old premium is set up as a recurring claim, cancel it in the Reimbursements section of your Member Portal and enter the cancellation date as the last day your old plan was active. Then set up a new recurring claim for your new premium amount. Once the Compliance team approves your new proof of coverage, your reimbursement setup will reflect the new plan automatically. To avoid being double-billed during the transition, it is essential to take the following steps:
Contact Your Current Carrier: Notify your current insurance carrier and request the cancellation of your old coverage.
Confirm the Cancellation Date: Ensure you receive confirmation of the effective cancellation date from your carrier. This step is critical to avoid overlapping coverage periods. When setting up automatic payments for your new health insurance plan, use the employer-provided account and routing numbers available in your portal. Avoid entering your personal bank information for these payments to ensure proper processing.
Remember, to be eligible to participate in your company's HRA (ICHRA or QSEHRA), your new insurance will still need to be an ICHRA or QSHERA approved plan. For transitions from QSEHRA to ICHRA, cancel existing QSEHRA recurring claims and set up new claims under ICHRA. Note that any unused QSEHRA balances will not transfer to the ICHRA.
While your new carrier may handle reimbursements after you upload updated insurance documents, they do not manage or stop payments to your old carrier. It is essential to take an active role in ensuring all payments and cancellations are properly managed.