Employees enrolled in Medicare can participate in a QSEHRA as long as they maintain Medicare coverage that satisfies Minimum Essential Coverage (MEC).
Does Medicare qualify for QSEHRA participation?
Yes.
Medicare qualifies as Minimum Essential Coverage (MEC), which allows employees to participate in a QSEHRA and receive tax-free reimbursements for eligible expenses.
Medicare coverage that generally qualifies includes:
Medicare Part A (Hospital Insurance)
Medicare Part C (Medicare Advantage)
Employees must maintain qualifying coverage to receive tax-free QSEHRA reimbursements.
Can Medicare premiums be reimbursed through a QSEHRA?
Yes.
Depending on your employer's QSEHRA design, eligible Medicare-related premiums may be reimbursable, including:
Medicare Part A premiums (when applicable)
Medicare Part B premiums
Medicare Part C (Medicare Advantage) premiums
Medicare Part D prescription drug premiums
Medicare Supplement (Medigap) premiums
Your employer's QSEHRA plan determines which expenses are eligible for reimbursement.
How do I provide proof of Medicare coverage?
During onboarding, upload documentation showing your active Medicare coverage.
Accepted proof of coverage may include:
Medicare card showing active enrollment
Medicare enrollment documentation
Other carrier-issued proof of Medicare coverage
Your documentation must clearly show active Medicare coverage.
How do I complete onboarding if I have Medicare?
Follow these steps:
Begin the onboarding process in your Take Command account.
Select the option to upload proof of coverage.
Choose the Medicare coverage option when prompted.
Upload your Medicare documentation.
Complete all remaining onboarding steps.
Coverage verification is required before participating in the QSEHRA.
How do I add my Medicare premium information?
If you pay Medicare premiums and your employer's plan allows reimbursement:
Log in to your Take Command account.
Navigate to your dashboard.
Select Add Monthly Premium.
Enter your premium information.
Upload any required supporting documentation.
Submit the information for review.
Approved premiums may be reimbursed according to your employer's QSEHRA rules.
What if I have Medicare Supplement (Medigap) coverage?
If you have Medicare Supplement (Medigap) coverage, you may be asked to provide documentation showing:
Coverage details
Premium amounts
Supporting premium documentation
Additional documentation may be required to verify eligibility for reimbursement.
Can I participate in a QSEHRA if I only have Medicare?
Yes.
Medicare coverage can satisfy the coverage requirements necessary for QSEHRA participation.
Employees do not need to purchase a separate individual Marketplace health plan solely to participate in a QSEHRA if they already have qualifying Medicare coverage.
Where can I get help understanding my Medicare options?
If you have questions about Medicare enrollment, Medicare plan options, or how Medicare works with your QSEHRA, additional Medicare resources may be available through Take Command partners and support teams.
Contact Support if you need assistance understanding how your Medicare coverage works with your QSEHRA benefit.
Key takeaway
Employees enrolled in Medicare can participate in a QSEHRA because Medicare qualifies as Minimum Essential Coverage (MEC). During onboarding, upload proof of Medicare coverage, complete enrollment requirements, and provide premium information if you want eligible Medicare premiums considered for reimbursement.