Small Business

How do I submit an expense for reimbursement with QSEHRA?

by Ali

Has your employer recently set you up with a new benefit, called QSEHRA, to reimburse you for your health insurance premiums and medical expenses tax free? Wondering what you need to do to get this money rolling in? Take Command Health makes filing your expense claims quick and easy. All you need is a health plan that meets Minimum Essential Coverage (MEC) to get started!


Let’s start with premium reimbursements

Since premiums stay the same month to month we take the hassle out of remembering to submit monthly expense claims for your premiums. As part of your onboarding experience, we will request a current bill from your insurance provider to confirm your plan meets Minimum Essential Coverage (MEC) and to confirm your monthly premium amount. Once we have verified your premium, we will set up your account to automatically reimburse your premium each month! In your premium reimbursements you can include health insurance, dental, and vision coverage- just submit a bill for each insurance type. Your premiums will be saved in our system and it will automatically be included in your reimbursement amount that we send to your employer each month until the next compliance check date.

A few quick steps for medical expense claims

If your company's HRA is set up to reimburse you for medical expenses you can submit those claims through your member portal. The IRS has outlined a list of expenses that are eligible for QSEHRA reimbursement as a guide.

To submit a claim for medical expense reimbursement:
  1. Log into your Member Portal.
  2. On the left-hand side of the page, you'll see a navigation Menu. Underneath "My Benefits," click on the arrow next to HRA Benefits.
  3. Click "Submit Claim."
Click on the orange "Submit a Claim" button.
The following prompt will open up. It will ask for a bit of information on the expense, then ask you to upload your bill.
Take Command Health will review the claim within three business days, at which point you can view the status of your claim in the same spot.

When do I receive my tax-free reimbursements?

Take Command Health will send your employer a monthly report indicating how much each employee claimed for reimbursement. Once your employer has reviewed the report they will reimburse you directly tax-free. Most employers choose to add the QSEHRA reimbursement as a tax-free line item via payroll, but check with your employer on how they will distribute the reimbursements.

Want to learn more about maximizing your QSEHRA?

We have a ton of articles just for employees to help them understand their new benefit! You might be interested in the Employee Guide, a look at how one employee uses her QSEHRA, or using your QSEHRA benefit with tax credits to learn more.
Hungry for more? Check out the reimbursement chapter in our handy new QSEHRA Guide!
Still have questions? 
Contact our Small Business Experts! 
Picture of Ali

Hi, I'm Ali! I wrote this blog because I love helping people decode confusing insurance jargon and understand the fine print. I'm a licensed health insurance professional and specialize in simplifying health insurance for individuals and small businesses. My QSEHRA articles have been featured regularly on Accounting Today, Accounting Web, HRWeb, and other industry publications. I'm also a member of Take Command Health's client success team and a full-time mom. Learn more about me and connect with me on our about us page. Thanks!