If you are Medicare-eligible, you will be routed out of HRA Hub to a Medicare partner (Chapter) to select and enroll in a Medicare plan, and then you must return to Take Command to upload proof of coverage in order to activate HRA reimbursements.
What happens if I am Medicare-eligible?
If you indicate that you are Medicare-eligible in HRA Hub:
You will not shop for plans directly inside Take Command
You will be routed to Take Command’s Medicare partner (Chapter)
You will receive guidance to select an appropriate Medicare plan
After enrollment, you must return to HRA Hub to upload proof of coverage
Take Command does not complete Medicare enrollment directly.
How does Medicare shopping work in HRA Hub?
The process works in two steps:
1. Medicare plan selection (via Chapter)
Enter your personal and household information in HRA Hub
Confirm Medicare eligibility when prompted
You will be redirected to Chapter
Schedule an appointment or speak with a Medicare advisor
Select a Medicare plan based on your needs and location
Complete enrollment with the Medicare carrier
2. Return to Take Command
After enrolling:
Return to your Take Command HRA Hub account
Navigate to the Proof of Coverage section
Upload documentation showing active Medicare coverage
Wait for verification to activate HRA reimbursement eligibility
What documents count as proof of Medicare coverage?
You can upload any official document that shows active Medicare enrollment, such as:
Medicare card (red, white, and blue card)
Medicare Advantage plan confirmation letter
Medicare Part A and/or Part B award letter
Insurance ID card showing Medicare plan enrollment
Official enrollment confirmation from CMS or your carrier
Your document must clearly show your name and active coverage.
Can I shop for dependents on Medicare?
No. If you are Medicare-eligible:
You cannot enroll dependents through the Take Command shopping flow
Each Medicare-eligible individual must obtain their own coverage through Chapter or Medicare channels
Each covered individual must upload their own proof of coverage for reimbursement eligibility
Do I still need to upload proof of coverage?
Yes. After enrolling in a Medicare plan:
You must upload proof of coverage in HRA Hub
This is required before HRA reimbursements can begin
Coverage must remain active for continued eligibility
Employees may also need to upload premium documentation for reimbursement claims
Can I use Medicare and other insurance at the same time?
It depends on the coverage type:
Medicare generally satisfies Minimum Essential Coverage (MEC) requirements for HRA eligibility
If you have additional coverage (e.g., supplemental or spouse plan), only qualifying coverage determines HRA eligibility
You cannot be reimbursed without active qualifying Medicare coverage
What does NOT happen in this process?
Take Command does not enroll you in Medicare plans directly
Medicare plans are not selected inside the Take Command shopping interface
Proof of coverage is not automatically imported from Medicare
You must complete enrollment and upload documentation manually