Getting set up to receive tax-free reimbursements through your company's Individual Coverage HRA (ICHRA) is easier than it sounds! There are just a few quick steps to get set up:
First, purchase insurance.
Follow the link in your invitation e-mail from Take Command Health to log in to your new member portal. You can also log in from here, if you cannot find the email.
Your username is your e-mail address, and you can reset your password here if you have forgotten it or if you have never set one.
Once you're logged in, you'll see the prompt below that will walk you through the onboarding process:
Download a copy of your plan documents for your records. Be sure to review them so you can understand and make the most of your new ICHRA benefit! Please read the Employee Notice for important information about how it may affect your eligibility to receive a premium tax credit. But don't worry - we'll walk you through it!
You may also need this notice to verify that you are eligible for a special enrollment period to enroll in individual health insurance coverage outside of the annual open enrollment period in the individual market.
These documents will also be available for your reference at all times through your member portal.
Update Personal Info + Add Family Members
Here is where we'll gather just a little bit more about you and your family. We ask you about this so we can guide you on shopping for an insurance plan!
A few reminders for you:
- If your employer offers varying rates based on family status, those varying allowances are assigned based on the family members you enter. If you should be receiving the family rate, be sure to add your family members here.
- Your sensitive information is safe and encrypted!
Be sure you read the popup about how ICHRA can affect your tax credit. You cannot accept both a tax credit and an ICHRA reimbursement, but you may have the option to opt out of the ICHRA and instead accept the tax credit.
Purchase Individual Health Insurance
In order to participate in your company's ICHRA, you will have to enroll in individual health insurance coverage.
We’ll walk you through some of your plan options or if you’d rather, we’ll get some information to connect you to an agent for phone support. If you already have a health insurance plan, just select “I already have a plan.” Your plan must be a Bronze, Silver, or Gold plan (purchased on or off exchange), catastrophic coverage (limited to qualified individuals), student health insurance, or Medicare (Part A+ B or Part C) in order to participate. Here is more information on how to shop for a compliant plan.
If you are already enrolled in a health insurance plan, be sure you have your proof of coverage handy for the next step!
Upload Proof of Coverage
In order to get set up for reimbursements through your company's ICHRA, we first need to verify that your health coverage is eligible.
Your proof of coverage must include:
- The insurance provider and plan name
- Your name
- Date within the last 30 days showing the plan is in effect (or showing when the plan will go into effect)
- Premium amount
Here is more about what to provide. If you purchase a plan through the Take Command Health site, we'll automate this step for you.
Submit Recurring Premium
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.
Once you hit submit, you're all set up! If we need additional information, we will reach out directly.