If AutoPay is active for your health insurance plan through Take Command, you generally should not pay the bill sent by your insurance company because your premium is already being paid through the AutoPay system.
Why did I receive a bill from my insurance company?
Receiving a bill from your insurance company is normal, even when AutoPay is active. Billing emails under Easy Enroll/AutoPay plans are sent because the employee is the owner of the individual policy, and Take Command pays the premium directly to the carrier on their behalf.
Most insurance carriers continue sending monthly invoices and billing statements regardless of how premiums are paid.
In most cases:
The bill is informational only.
AutoPay is handling the premium payment.
No additional action is required from you.- Emails about unpaid premiums are often informational if you are enrolled in an Easy Enroll/AutoPay plan, as premium payments are managed by the administrator, not the employee.
Receiving a bill does not necessarily mean a payment is due from you.
Should I pay the insurance company bill?
No, if AutoPay is active and functioning normally.
If you are enrolled in AutoPay:
Do not submit a separate payment to the insurance carrier.
Do not set up additional recurring payments with the carrier.
Do not pay the invoice unless specifically instructed to do so by Take Command or your insurance carrier.
Making an additional payment could result in duplicate payments.
How does AutoPay work?
AutoPay is part of Take Command's Easy Enroll service, which simplifies the process of paying your insurance premiums by automating recurring payments. It handles the application process, sets up recurring premium payments, and submits proof of coverage on your behalf, ensuring your coverage remains active without requiring manual intervention.
The AutoPay process generally works as follows:
Premium funds are collected through the approved payment process.
Take Command sends the premium payment to the insurance carrier.
The carrier applies the payment to your policy.
Coverage remains active without requiring manual monthly payments.
When AutoPay is working correctly, you generally do not need to make separate premium payments each month. However, many insurers require the first premium payment, also known as the "binder payment," to be made manually to activate your coverage. AutoPay typically begins with the second bill. Timing mismatches can occasionally cause AutoPay failures, such as when the carrier processes the premium before the employer's funding clears. In such cases, it is important to verify the timing and ensure the carrier drafts payments after the employer funding date.
How can I confirm AutoPay is active?
Employer-Managed vs. Self-Enrolled AutoPay
Employer-Managed AutoPay: If your employer has set up payroll deductions with Take Command, you generally do not need to make direct payments to your insurer. Take Command handles all premium payments on your behalf.
Self-Enrolled AutoPay: If you are self-enrolled, Take Command typically manages your monthly premium payments. However, you may need to make a direct payment to your insurer if your portal shows a status like "Urgent" or "Risk of Cancellation." This ensures that your coverage remains active.- Verify that your employer-provided autopay account details are saved correctly in both the carrier's portal and the Take Command portal to ensure autopay functions as expected.
You can confirm AutoPay status by reviewing your Take Command account information or recent communications regarding your enrollment.
Signs that AutoPay is active may include:
Confirmation during enrollment
AutoPay status displayed in your account
Prior premiums successfully paid through AutoPay
Alerts or notifications in your portal, such as "Urgent" or "Risk of Cancellation," indicating potential issues with AutoPay.- Confirmation notices received via email after each bill is paid, indicating that AutoPay is functioning correctly.
If you are unsure whether AutoPay is active, contact Take Command Support before making a payment. Regularly verify that your autopay details are accurate in both the carrier's and Take Command's portals to prevent potential issues.
What if the bill says payment is overdue?
Do not assume AutoPay has failed.
Insurance carrier invoices may occasionally cross in the mail with payments that are already being processed or recently submitted. If your portal shows alerts such as "Urgent" or "Risk of Cancellation," it may indicate a potential issue with AutoPay. The AutoPay team actively monitors for missing payments and will manually process them if needed to keep your coverage current. If a draft fails due to timing mismatches, you may need to make the payment directly with the carrier to avoid coverage issues. Always confirm with Take Command Support before taking action.
If you receive:
An overdue notice
A cancellation warning
A late-payment notice
A termination notice
Contact our Customer Experience (CX) team immediately so we can verify the payment status.
Do not make a payment unless instructed to do so.
What happens if I accidentally pay the insurance company?
If you make a payment directly to the insurance carrier while AutoPay is active:
Keep a copy of the payment confirmation.
Contact our Customer Experience (CX) team.
Provide details about the payment amount and date.
Depending on the carrier and payment timing, duplicate payments may require adjustment or refund processing.
When should I contact Take Command Support?
Contact Support if:
You are unsure whether AutoPay is active.
You receive a cancellation notice.
You receive a delinquency or overdue notice.
Your carrier says payment has not been received.
You believe a premium payment was missed.- Check your carrier's app for payment confirmation before contacting support, as it provides the most accurate information about payment status.
Support can verify your payment status and advise on any next steps.
Key takeaway
If AutoPay is active through Take Command, you generally should not pay the insurance company bill you receive. Insurance carriers often send invoices even when premiums are being paid automatically. If you receive an overdue or cancellation notice, contact Take Command Customer Experience (CX) team before making a payment.