Shopping for a plan, can be tough.
Take Command Health is here to help!
We have an Enrollment team ready and available to assist you in selecting a plan. Please schedule a time with them here, on our Enrollment Team Call Calendar.
(Glossary of definitions can be found here.)
Recommended Plans:
The ‘Recommended plans’ section allows you to view recommendations based on your preferred doctor(s), hospital(s), and prescription(s) pre-selections. This provides you with only plans that meet your specific needs.
These are displayed on the first page for your convenience. To explore additional options, simply scroll down and click "Next" to view more plans.
If no plans match all of the entered preferences, the system will automatically keep the filters and display a blue toaster:
*You can ‘clear all' filters to view all plans based on your zip code and county.
Filtering and sorting
Filters allow employees to narrow down options with multiple selections. You'll also be able to filter out the many options based on your preferences for insurance carriers, doctor networks (PPO, EPO, HMO), and the ease of enrollment.
Doctor with location: The Doctor Search tool is used to help determine if your selected doctor or specialist is in or out off network. Keeping your favorite doctors "in network" is critical to saving money. If you try to see a doctor that is out of network, your health plan won't help very much or may not pay anything at all.
Plan type
EPO (Exclusive Provider Organization): Hybrid of PPO and HMO. Enjoy lower premiums compared to PPO plans, and a referral is not required to see a specialist.
HMO (Health Maintenance Organization): Lower monthly premiums are offered, but you must get a referral from your Primary Care Provider (PCP) before seeing a specialist.
PPO: Most flexible, yet most expensive network type. Do not need a referral to see a specialist. Option to see doctor outside preferred network.
Carrier: based on ZIP Code searched and carriers available in the selected area.
Metal tier:
Platinum: covers 90% on average of your medical costs; you pay 10%
Gold: covers 80% on average of your medical costs; you pay 20%
Silver: covers 70% on average of your medical costs; you pay 30%
Bronze: covers 60% on average of your medical costs; you pay 40%
Extended Bronze: Catastrophic policies pay after you have reached a very high deductible ($8,700 in 2022). Extended Bronze plans must also cover the first three primary care visits and preventive care for free, even if you have not yet met your deductible.
HSA Eligible: This is a tax-advantaged account that allows you to put tax-deferred dollars into an account. At age 65, you may make eligible withdrawals from the account tax-free.
Enrollment Types:
Easy Enroll: Easy Enroll is a streamlined process where Take Command manages the entire enrollment process on your behalf.
Overview: Take Command submits your application to the insurance carrier, sparing you from the need to do it manually. While banking details are not collected during enrollment, you need to arrange payments like autopay directly with your insurer afterward.
Post Enrollment: If using Easy Enroll, no documents need to be uploaded or coverage confirmed within the HRA portal unless additional reimbursements (e.g., dental or vision) are added later.
Availability: Easy Enroll may sometimes not be available due to plan or region-specific restrictions, such as state marketplaces requiring direct enrollment.
Self Enroll: This option requires you to complete the application process directly with the carrier or state exchange.
Overview: After selecting your plan, enroll manually and upload proof of coverage to the Take Command portal for reimbursements.
Key Difference: Unlike Easy Enroll, you handle all document submissions and payment setups independently, though guidance can be requested from Take Command.
| Feature | Easy Enroll | Self Enroll | |-----------------------------|-----------------------------------------------------------------------------|---------------------------------------------------------------| | Application Submission | Take Command submits directly to the carrier | Users complete directly with the carrier or exchange | | Payment Setup | Managed by Take Command for supported plans | Managed entirely by the user | | Proof of Coverage | Automatically handled by Take Command | User must submit directly | | Recurring Claims | Set up and managed by Take Command | Not applicable | | Support Role | Take Command provides end-to-end assistance, including plan issue resolution | Support is limited to guidance; users handle direct resolution| Adding this comparison chart helps streamline decision-making for users considering their enrollment options.
Doctor with location: The Doctor Search tool is used to help determine if your selected doctor or specialist is in or out off network. Keeping your favorite doctors "in network" is critical to saving money. If you try to see a doctor that is out of network, your health plan won't help very much or may not pay anything at all.
Plan type
EPO (Exclusive Provider Organization): Hybrid of PPO and HMO. Enjoy lower premiums compared to PPO plans, and a referral is not required to see a specialist.
HMO (Health Maintenance Organization): Lower monthly premiums are offered, but you must get a referral from your Primary Care Provider (PCP) before seeing a specialist.
PPO: Most flexible, yet most expensive network type. Do not need a referral to see a specialist. Option to see doctor outside preferred network.
Carrier: based on ZIP Code searched and carriers available in the selected area.
Metal tier:
Platinum: covers 90% on average of your medical costs; you pay 10%
Gold: covers 80% on average of your medical costs; you pay 20%
Silver: covers 70% on average of your medical costs; you pay 30%
Bronze: covers 60% on average of your medical costs; you pay 40%
Extended Bronze: Catastrophic policies pay after you have reached a very high deductible ($8,700 in 2022). Extended Bronze plans must also cover the first three primary care visits and preventive care for free, even if you have not yet met your deductible.
HSA Eligible: This is a tax-advantaged account that allows you to put tax-deferred dollars into an account. At age 65, you may make eligible withdrawals from the account tax-free.
Enrollment Types:
Easy Enroll: Easy Enroll streamlines the enrollment process by allowing Take Command to manage most of the administrative work. Specific features include:
Application Process: Take Command submits the application to the insurance carrier directly.
Payment and Billing: Payment details (including autopay, when possible) are set up and managed by Take Command.
Proof of Coverage: Automatically uploaded to simplify reimbursement processes.
Support Available: Take Command assists with carrier coordination, recurring claims, and resolving plan issues on your behalf.
Note: Certain Easy Enroll options may require additional steps, like setting up payment methods, but the overall process remains streamlined.
Self Enroll: Self Enroll requires users to take full responsibility for their health insurance application and management. Specific features include:
Application Process: Enrollment is completed directly on the carrier’s website or through state exchanges, outside the Take Command platform.
Payment and Billing: Users must set up and manage their payments (e.g., autopay) directly with the carrier.
Broker Role: Take Command is not listed as Broker of Record for self-enroll plans, which limits their ability to assist with billing or issue resolution.
Other Responsibilities: Users are accountable for providing proof of coverage, resolving plan-specific issues, and managing discrepancies with the carrier.
You can also sort available plans by premium, max out of pocket, deductible in addition to low to high and high to low sorting.
Compare Plans: Utilize side-by-side comparison features to evaluate the pros and cons of each plan comprehensively
Plan card details
The ‘plan cards' provide a summary level of information for each healthcare plan, including costs and key features. These details showcase all of the information we have on each carrier and plans. The plans available to you are based on your zip code and county combination. On the plan cards, detailed information about the number of matching doctors, hospitals, and prescriptions will be shown when you hover over each one.
If no plans match the user’s filters but filters were applied, plans will still be shown, and the plan cards will indicate "Providers: 1" or similar, where appropriate.
Monthly Premium: The monthly fee required for coverage.
Deductible: The amount you must pay out of pocket before your insurance starts covering costs.
Max Out-of-Pocket: The maximum amount you'll have to pay for covered services in a plan year.
"My Cost" if Premium Exceeds Allowance: This represents the difference between your allowance and the premium. It indicates what you would need to cover beyond your provided allowance.
Remaining Allowance: The remaining portion of your allowance after deducting the premium. You can use it to pay for eligible medical expenses.
View and Print Details
You can view and print the details of a plan for offline reference.
Plan Overview: The plan is in full detail similar to the attached PDF.
Cost breakdown: The amount you pay or the amount your allowance covers for your expenses
Doctors: Presented based on the plan's network and coverage.
Prescriptions: This represents the in-network or out-of-network prescriptions cost written by healthcare providers.
Hospitals: Hospitals are medical facilities equipped with specialized staff, equipment, and resources to provide diagnosis, treatment, and care for a wide range of illnesses, injuries, and medical conditions.
Mental Health: Mental and behavioral health inpatient services involve comprehensive treatment and care provided within a hospital setting for individuals experiencing acute psychiatric conditions or severe mental health crises.
Pregnancy & Maternity: Includes Inpatient birth refers to the process of childbirth that occurs within a hospital or medical facility where the mother stays overnight for monitoring and medical care before, during, and after delivery, postnatal and prenatal care.
Emergency Care: Refers to immediate medical attention provided to individuals who are experiencing sudden and often serious medical conditions or injuries that require urgent treatment. This care is typically provided in hospital emergency departments or urgent care.
Tough Choices
Making decisions about healthcare can be complex, but rest assured that you're not alone in this process. Our platform is designed to provide clarity and support every step of the way. Remember, by carefully considering your needs and priorities, you can confidently narrow down your options and select the plan that offers the best value and coverage for you and your family.
Practical Considerations
Here are a few points to consider when deciding between Easy Enroll and Self Enroll plans:
Ease of Use: Easy Enroll minimizes your administrative workload, making it ideal if you prefer a hands-off approach.
Direct Control: Self Enroll gives you greater autonomy over the application and payment process but requires more active participation.
Support: Take Command can provide extensive assistance with Easy Enroll plans, whereas Self Enroll requires you to manage issues independently.
Cost Parity: Both options meet federal standards and provide access to marketplace-compliant plans.
We have an Enrollment team ready and available to assist you in selecting a plan. Please schedule a time with them here, on our Enrollment Team Call Calendar.
FAQs
Are Easy Enroll and Self Enroll plans equally fast to process?
Yes, both options process at similar speeds for receiving plan information.
What if my plan doesn’t allow Easy Enroll?
Some carriers only offer Self Enroll as an option. In such cases, Take Command provides guidance but cannot manage billing, application submission, or issue resolution on your behalf.
Next --> Purchase and confirm plan selection
Jump to --> Upload additional premiums
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