Some insurance carriers require you to complete additional actions, such as making a binder payment or setting up autopay, before your coverage can become active.
What is an Extra-Step carrier?
An Extra-Step carrier is an insurance company that requires additional action after your application has been submitted.
These actions may include:
Making an initial binder payment
Setting up recurring payments (autopay)
Completing carrier-specific enrollment requirements
Verifying information directly with the carrier
Coverage may not become active until these required steps are completed.
How do I know if my plan requires additional action?
If your insurance carrier requires additional action, you will receive instructions from Take Command and/or the insurance carrier.
These communications will explain:
What action is required
How to complete the action
Any applicable deadlines
If you do not receive a request for additional action, you generally do not need to do anything.
What is a binder payment?
A binder payment is the first premium payment required by some insurance carriers before coverage becomes active.
If your carrier requires a binder payment:
Follow the instructions provided by the carrier.
Submit the required payment before the deadline.
Save your payment confirmation for your records.
Failure to make a required binder payment may result in delayed, canceled, or inactive coverage.
Do I need to set up autopay?
Some insurance carriers require members to establish recurring premium payments directly with the carrier.
If autopay is required:
Follow the instructions provided by the carrier.
Log in to the carrier's member portal.
Add your payment method.
Confirm recurring payments are active.
Failure to establish required payments could result in missed premium payments or coverage termination.
What should I do if my plan is an Extra-Step plan?
If you are enrolled in an Extra-Step plan:
Review all emails from Take Command and your insurance carrier.
Complete any required binder payment.
Set up autopay if instructed.
Complete any additional carrier requirements.
Confirm your coverage has been activated.
Save any confirmation emails or receipts.
What if I enrolled through Easy Enroll?
If you enrolled through Easy Enroll, Take Command submits your insurance application on your behalf.
Most Easy Enroll plans do not require additional action.
However, some Easy Enroll plans are still considered Extra-Step plans and may require you to:
Make a binder payment
Set up autopay
Complete carrier-required follow-up actions
If action is required, you will receive instructions.
What if I enrolled through Self-Enroll?
If you enrolled through Self-Enroll, you are responsible for completing any carrier requirements.
This may include:
Submitting your application directly to the carrier
Setting up autopay
Completing a binder payment
Managing ongoing premium payments
You should follow all instructions provided by the insurance carrier.
What happens if I do not complete the required steps?
If required actions are not completed:
Coverage activation may be delayed
Coverage may be canceled by the carrier
Premium payments may not process correctly
You may experience a gap in coverage
Complete all requested actions as soon as possible to avoid enrollment issues.
When is no action required?
No action is required if:
Your plan is not an Extra-Step plan, or
You have already completed all requested carrier actions
If you have not received any instructions requesting action, you generally do not need to do anything.
Who should I contact if I need help?
If you have questions about enrollment requirements, binder payments, or carrier instructions, contact our Customer Experience (CX) team for assistance.