ICHRA employees can check the status of their Proof of Coverage (POC) in HRA Hub from the Dashboard or the Benefits section.
How do I check my Proof of Coverage status?
To view your Proof of Coverage status:
Sign in to HRA Hub.
Open your Dashboard or select Benefits from the navigation menu.
Locate your Proof of Coverage information.
You can also review uploaded insurance documents and monthly premium submissions from the Benefits section.
What statuses can I see?
Your Proof of Coverage may display one of the following statuses:
Status | What it means | What to do |
Approved | Your proof of coverage has been verified and your HRA is active for reimbursements. | No action needed — you can now submit reimbursement claims. |
Pending | Your document is in the compliance review queue and has not yet been reviewed. | No action needed — allow 7–10 business days for review. During high-volume periods, review may take up to 30 days. If the status has not changed after 10 or more business days with no communication, contact Customer Experience. |
Declined | Your document could not be approved as submitted. | Check your email for the specific reason and re-upload with the corrected information. |
These statuses indicate whether your documentation has been reviewed or whether additional information is required.
What does 'Non-Compliant' mean — and how is it different from 'Declined'?
Non-Compliant and Declined are two different states:
Non-Compliant means your submitted document was reviewed but did not meet the coverage requirements — most often because the plan type does not qualify as Minimum Essential Coverage (MEC), or because a required field (name, carrier, coverage dates, premium amount) was missing or unreadable. A specific reason should appear in the Benefits section of your portal.
Declined means your document could not be approved as submitted. Check your email for the specific reason and re-upload with the corrected information.
If neither the portal nor your email shows a specific rejection reason, contact Customer Experience — they can review your submission and confirm exactly what needs to be corrected.
What if my status has been Pending for more than 10 business days?
If your status remains Pending or Reviewing for more than 10 business days without any email communication or portal update, contact Customer Experience. Include your name, employer name, and the date you submitted the document. They can locate your submission in the review queue and confirm its status.
My portal shows 'Approved' but I haven't received reimbursements — why?
Proof of Coverage approval and reimbursement processing are separate steps:
Approved means your coverage documentation was verified. It does not automatically trigger reimbursements.
To receive premium reimbursements, you must also set up a recurring premium entry in the Reimbursements section.
For medical expense reimbursements, you must submit each eligible expense separately.
Once approved, reimbursements are calculated retroactively to your HRA eligibility start date — you do not lose reimbursements for time spent in review.
What are the most common reasons a submission is rejected?
The most common rejection reasons are:
Missing name: the insured person's name must appear on the document
Missing or expired coverage dates: the document must show a current effective date, not an expired or future date
Missing premium amount: required for premium reimbursements — supplement with a billing statement if your ID card doesn't include this
Missing or unreadable carrier name or plan name
Plan does not meet Minimum Essential Coverage (MEC) requirements — common with travel insurance, vision-only, or dental-only plans
HEIC file format: convert iPhone photos to JPEG, PNG, or PDF before uploading
Document too blurry or truncated to verify
When should I check my status?
Review your status after:
Uploading proof of coverage.
Updating your health insurance.
Renewing your health plan.
Receiving an email requesting additional documentation.
When does this article not apply?
This article applies only to employees using HRA Hub for an ICHRA.
It does not apply to QSEHRA participants using the Take Command Member Portal.
Key takeaway
HRA Hub allows ICHRA participants to monitor the review status of their Proof of Coverage from the Dashboard or Benefits section.
Common questions about proof of coverage status
My status is Approved but I still haven't received any reimbursements — why?
Proof of Coverage Approved means your coverage documentation was verified. It does not automatically trigger reimbursements.
To receive premium reimbursements, you must also set up a recurring premium entry in the Reimbursements section of your portal. For medical expense reimbursements, you must submit each eligible expense separately. Once your coverage is Approved, reimbursements are calculated retroactively to your HRA eligibility start date — you do not lose reimbursements for time spent in review.
My document was declined but I am not sure why — the portal doesn't show a reason
If the portal or your email does not show a specific reason for the decline, contact Customer Experience with your name, employer name, and the date you submitted the document. They can review your submission and confirm exactly what needs to be corrected.
I uploaded my proof of coverage weeks ago and the status is still Pending — what should I do?
If your proof of coverage has been in Pending status for more than 10 business days without any email communication or status update, contact Customer Experience. Include your name, employer name, and the date you uploaded the document. They can locate your submission in the review queue and expedite review if needed.
My document was rejected for being in HEIC format — what do I do?
HEIC is a file format used by iPhones and iPads that the Take Command portal does not support. To convert before resubmitting:
On iPhone: go to Settings → Camera → Formats and select 'Most Compatible' (JPEG) before taking a new photo.
On Mac: open the HEIC file in Preview and use File → Export to save as JPEG or PDF.
On Windows: use an online HEIC-to-JPEG converter, then upload the converted file.