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Insurance enrollment & coverage questions

Guidance for Select Carriers

As Open Enrollment ends, individuals are receiving enrollment information from their insurance companies and taking advantage of their health coverage. A few carriers are experiencing slowness in application processing, approvals, and premium payments. Take Command is aware of these challenges and actively working with carriers to resolve issues & ensure coverage for clients. This information provides guidance on when to reach out to Take Command if enrollment and coverage questions arise.

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Insurance enrollment & coverage questions

Guidance & Updates for Select Carriers

Stay up to date on carrier information that may impact members' enrollment, premium payment, and overall insurance experience. Updates will include directions where action is required as well as informational-only news.

Insurance Carriers with Known Issues

Take Command will update the carrier-specific information below. 

Ambetter

Ambetter has reported experiencing a delay processing some 2025 applications, resulting in delays for the January payment.

If you are on AutoPay with Take Command (ie. your premium is paid by payment information provided by Take Command):

  • Failed Billing & Premium Payment Notifications: Take Command is working directly with Ambetter to understand the root cause and resolve the issue.  In the meantime, we have received confirmation that 2025 policies affected by this issue will not be adversely-affected or terminated.
  • Requests for Information, Cancelled or Denied Coverage Notifications: Please reach out to Take Command and our Access to Care team will assist you. Take Command via chat, email, or by calling 1-855-TCH-HRAS (824-4727).

What Should I expect?

Expect to receive communications via email once your payment has been resolved.  If you need to seek medical care in the interim, please continue to use in-network providers and save all receipts for any out-of-pocket expenses.  You can submit those directly to Ambetter for reimbursement up to the terms of your policy once payment has processed.

No direct action is required by the member at this time.  Take Command will reach out directly if any action is required.

Anthem

Anthem has reported experiencing an issue processing some 2025 payments, resulting in failed payment communications being sent out to some members.

If you are on AutoPay with Take Command (ie. your premium is paid by payment information provided by Take Command):

  • Failed Billing & Premium Payment Notifications: Take Command is working directly with Anthem to understand the root cause and resolve the issue.  In the meantime, we have received confirmation that 2025 policies affected by this issue will not be adversely-affected or terminated. 
  • Requests for Information, Cancelled or Denied Coverage Notifications: Please reach out to Take Command and our Access to Care team will assist you. Take Command via chat, email, or by calling 1-855-TCH-HRAS (824-4727).

What Should I expect?

Expect to receive communications via email once your payment has been resolved.  If you need to seek medical care in the interim, please continue to use in-network providers and save all receipts for any out-of-pocket expenses.  You can submit those directly to Anthem for reimbursement up to the terms of your policy once payment has processed.

No direct action is required by the member at this time.  Take Command will reach out directly if any action is required.

CareSource

CareSource is experiencing delays in processing some January premium payments, which is also affecting whether some plans display as active or not. Take Command has provided all enrollment and payment information to CareSource and the CareSource team is working diligently to apply payments this week (week ending January 18th). Additionally, CareSource agreed to accept binder payments until 1/31/25.

Important: Any individuals who had an "On Exchange" policy in 2024, but an "Off Exchange" policy in 2025, MUST contact healthcare.gov to cancel their 2024 "On Exchange" policy. Emails have been sent to all impacted employees with instructions. If you have received this email, please take action promptly.

What Should I Expect?
Communications will be sent via email once your payment has been resolved. If you need medical care in the interim, continue using in-network providers and save receipts for any out-of-pocket expenses. These can be submitted to CareSource for reimbursement based on your policy terms.

Next Steps
No action is needed for delayed payments at this time.
If you received an email from with instructions to cancel your 2024 "On Exchange" plan, please take action promptly.

Requests for Information, Cancelled or Denied Coverage Notifications: Please reach out to Take Command and our Access to Care team will assist you. Take Command via chat, email, or by calling 1-855-TCH-HRAS (824-4727).

University of Michigan Health Plan

The University of Michigan Health Plan has reported issues with ID cards for some members. These include:

  • Members not receiving the correct number of ID cards for their families.
  • ID cards that were issued do not properly list dependents.

What should I expect?

  • New ID cards will be issued and mailed to impacted members.
  • If you need to access care in the interim, please contact the University of Michigan Health Plan for assistance.

Do I need to take action?

  • No action is required from you at this time. 

Carriers with No System-Wide Issues

There are no widespread challenges affecting the majority of insurance companies, including the ones listed below as well as other not specified on this page.

 

  • United Healthcare
  • Aetna
  • Cigna
  • BCBS Minnesota
  • UPMC
  • Oscar
  • Highmark
  • Medica
  • Other insurance carriers not specified

New & High Impact Carrier Updates

New or significant information that may require attention and action.

CareSource of Wisconsin

The issue:
  • CareSource is changing payment vendors effective 3/31/26. Employees will have to make their April payment and set up autopay in their member portal.
Action Required:
  • All CareSource WI members MUST log into their CareSource My Life in early April, make a one-time payment, and then set up AutoPay again to keep payments active.
 
Important for members using AutoPay:
  • Members must log into CareSource MyLife, make a one-time payment, and then set up AutoPay again to keep payments active. AutoPay will not transfer to the new system.
  • Take Command AutoPay account information is available in the Take Command portal (Benefits tab ➡️ Additional Premiums ➡️ Payment Info ➡️ click the arrow to expand the screen.)
 
Ways members can make a payment:
  • CareSource MyLife – MyLife.CareSource.com or the mobile app. Members can make a one-time payment and then set up AutoPay using the Take Command payment details. Employees on reimbursement can use credit card, debit card, bank transfer, Apple Pay, or Google Pay.
  • Phone – Call the Member Services number on their ID card and say “make a payment.” Available 24/7.
  • Online – CareSource.com/MPpay to make a one-time payment.

AvMed

The issue:
  • AvMed will not allow Take Command to set up recurring AutoPay payments for select individuals.
Action Required:
  • Take Command has contacted the impacted individuals. They need to log in to their AvMed portal and setup autopay/recurring payments using their Take Command AutoPay account information available in their Take Command portals (Benefits tab ➡️ Additional Premiums ➡️ Payment Info ➡️ click the arrow to expand the screen.)

BCBS of Michigan

The issue:
  • BCBS of Michigan will not allow Take Command to set up recurring AutoPay payments for select individuals.
Action Required:
  • Take Command has contacted the impacted individuals. They need to log in to their BCBS of Michigan portal and setup autopay/recurring payments using their Take Command AutoPay account information available in their Take Command portals (Benefits tab ➡️ Additional Premiums ➡️ Payment Info ➡️ click the arrow to expand the screen.)

Informational Carrier Updates

The latest news about active issues we're working with carrier partners and recent resolutions.

Anthem

Due to the carrier's system processes, individuals who enrolled in Anthem plans during their enrollment period may receive an automated email from Anthem requesting their qualifying life event documentation. They can disregard this request. Take Command provides the necessary information when submitting applications.

Note, if an individual enrolls in an Anthem plan at another point during the year after experiencing a qualifying life event aside from an offer of an HRA (such as birth, marriage, move to a new zip/county, etc.), Take Command will require documentation from the individual.

Separately, there was a tech-related disruption that impacted a subset of AutoPay premium payments on March 2nd.  Our payment solutions team will ensure a successful payment is made to their insurance carrier(s) for March and confirm that recurring AutoPay payments are set up for future months. If you receive a communication from your insurance carrier about a payment disruption or failure, please know that we are already aware and taking action on the employee's behalf!

Blue Cross Blue Shield - California, Illinois, and Texas

There was a tech-related disruption that impacted a subset of AutoPay premium payments on March 2nd. Our payment solutions team will ensure a successful payment is made to their insurance carrier(s) for March and confirm that recurring AutoPay payments are set up for future months. If you receive a communication from your insurance carrier about a payment disruption or failure, please know that we are already aware and taking action on the employee's behalf!

Kaiser Permanente - California

In addition to Take Command's audits,  Kaiser Permanente specialists are also monitoring employees' accounts to ensure AutoPay payments are pulled correctly by the carrier. Any payments that do not process automatically will be processed manually.

Louisiana Blue

There was a tech-related disruption that impacted a subset of AutoPay premium payments on March 2nd. Our payment solutions team will ensure a successful payment is made to their insurance carrier(s) for March and confirm that recurring AutoPay payments are set up for future months. If you receive a communication from your insurance carrier about a payment disruption or failure, please know that we are already aware and taking action on the employee's behalf!

Medica

Take Command is working with Medica to set up recurring AutoPay payments for March. In the event any recurring payments are not set up, Take Command will make one-time payments and continue working on recurring payment set-up.

Moda

Moda is experiencing payment discrepancies and delays, but is actively engaged with Take Command as we partner with them to resolve any issues.

Oscar

An automated action in Oscar's system was inadvertently triggered on February 19th, which mistakenly renewed 2025 insurance policies for a number of former Oscar members.

Individuals who previously had an Oscar policy in 2025, but not in 2026, may see a communication about a 2026 policy that they did not select. They can disregard. No action is necessary! 

Providence Health Plan

There was a tech-related disruption that impacted a subset of AutoPay premium payments on March 2nd. Our payment solutions team will ensure a successful payment is made to their insurance carrier(s) for March and confirm that recurring AutoPay payments are set up for future months. If you receive a communication from your insurance carrier about a payment disruption or failure, please know that we are already aware and taking action on the employee's behalf!

Sentara

Select Sentara enrollments were processed by the carrier without completing AutoPay setup. Sentara will be pulling premium payments and completing the AutoPay setup for affected employees.

Wellpoint

There was a tech-related disruption that impacted a subset of AutoPay premium payments on March 2nd. Our payment solutions team will ensure a successful payment is made to their insurance carrier(s) for March and confirm that recurring AutoPay payments are set up for future months. If you receive a communication from your insurance carrier about a payment disruption or failure, please know that we are already aware and taking action on the employee's behalf!

Carrier Market Entries

The carriers below are expanding into new markets for the 2026 plan year, including both new states and additional counties within their existing states.

CareSource

Nevada New to the state

Cigna

Florida New to Following Counties: Indian River, St Lucie, Martin, Palm Beach, Miami-Dade
Indiana New to Following Counties: Evansville - Vanderburgh, Warrick, Posey, Gibson, Dubois, Kokomo-Howard, Anderson-Madison
North Carolina New to Gaston County
Virginia New to Following Counties: Richmond-King William, Caroline, King and Queen, New Kent
Arizona New to Pima County
Illinois New to Lake County
Mississippi New to Following Counties: Copiah, Hinds, Madison, Rankin, Simpson, Warren

 

Molina

Florida New to Following Counties: Collier, Lake, Marion
Kentucky New to Bourbon County
Ohio New to Following Counties: Carroll, Hardin
Texas New to Following Counties: Fannin, Grayson, Hood, Rockwall, Wise

 

Oscar

Alabama New to the state
Mississippi New to the state

Carrier Market Exits

The carriers below are exiting some markets for the 2026 plan year. Aetna has decided to exit the individual market as a whole.

Aetna

Exiting these states: Arizona, California, Delaware, Florida, Georgia, Illinois, Indiana, Kansas, Maryland, Missouri, New Jersey, Nebraska, North Carolina, Ohio, Texas, Utah, Virginia

 

Ambetter

Michigan Exiting the Following Counties: Macomb, Monroe, Oakland and Wayne Counties
Florida (off-exchange) Exiting the Following Counties: Bay, Calhoun, Charlotte, Citrus, Columbia, Desoto, Dixie, Franklin, Gadsden, Gulf, Hamilton, Hardee, Holmes, Jackson, Jefferson, Layayette, Leon, Liberty, Madison, Manatee, Okaloosa, Okeechobee, Putnam, Sarasota, Suwanee, Wakulla, Walton, Washington

 

AultCare

Ohio Exiting the entire state

 

CareSource

Kentucky Exiting the entire state
North Carolina Exiting the entire state
Michigan Exiting the entire state

 

Chorus Community

Wisconsin Exiting the entire state

 

Common Ground

Wisconsin Exiting the Following Counties: Calumet, Dodge, Fond du Lac, Kenosha, Milwaukee, Outagamie, Racine, Sheboygan, Waupaca, Waushara, Winnebago

 

Cox

Missouri Exiting the Following Counties: Greene, Webster

 

Health Alliance

Illinois Exiting the entire state

 

Molina

Kentucky Exiting the Following Counties: Anderson, Boyd, Boyle, Bullitt, Carroll, Franklin, Gallatin, Garrard, Grayson, Greenup, Henderson, Henry, Jefferson, Larue, Lincoln, Meade, Mercer, Nelson, Oldham, Owen, Rockcastle, Shelby, Spencer, Trimble, Washington
Michigan Exiting the Following Counties: Barry, Genesee, Kent, Lake, Livingston, Macomb, Mason, Mecosta, Montcalm, Muskegon, Newaygo, Oakland, Oceana, Osceola, Ottawa, Washtenaw, Wayne
Nevada Exiting the Following Counties: Douglas, Lyon, Storey, Carson City
South Carolina Exiting the Following Counties: Anderson, Georgetown, Greenville, Horry, Laurens, Orangeburg, Pickens, Spartanburg
Texas Exiting the Following Counties: Bexar, Cameron, Dimmit, Duval, El Paso, Fort Bend, Harris, Hidalgo, Jefferson, Jim Hogg, La Salle, Montgomery, Starr, Webb, Willacy, Zapata
Utah Exiting the Following Counties: Box Elder, Cache, Davis, Morgan, Rich, Salt Lake, Summit, Tooele, Utah, Wasatch, Weber
Wisconsin Exiting the entire state

 

Quartz

Illinois Exiting the entire state
Minnesota Exiting Olmsted County
Wisconsin Exiting the Following Counties: Adams, Brown, Calumet, Florence, Grant, Green Lake, Iowa, Jefferson, Juneau, Kenosha, Kewaunee, Lafayette, Manitowoc, Marinette, Marquette, Milwaukee, Oconto, Outagamie, Ozaukee, Racine, Richland, Rock, Sauk, Shawano, Sheboygan, Walworth, Washington, Waukesha, Waushara, Winnebago

 

United Healthcare

Indiana Exiting the Following Counties: Marion, Hamilton, Hendricks, Howard
Kansas Exiting the Following Counties: Barton, Cheyenne, Decatur, Ellis, Gove, Graham, Greelye, Lane, Logan, Ness, Norton, Osborne, Phillips, Rawlins, Rooks, Rush, Russell, Scott, Sheridan, Sherman, Smith, Thomas, Trego, Wallace, Wichita, Barber, Comanche, Hodgeman, Kiowa, Pawnee, Pratt, Stafford, Butler, Chase, Chautauqua, Cowley, Elk, Greenwood, Harper, Harvey, Kingman, Marion, McPherson, Montgomery, Reno, Rice, Sedgwick, Sumner, Wilson, Allen, Bourbon, Cherokee, Crawford, Labette, Neosho, Woodson

 

University of Michigan Health

Michigan
Exiting the entire state

 

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