When I’m shopping on the TCH site, does the premium amount include my employer’s portion?
No, we’ll show you the full premium cost. You’ll pay the full premium directly to your insurance carrier, and then through our platform, request a tax-free reimbursement from your employer, who will reimburse you directly.
When will I receive my reimbursement?
Your employer will reimburse you directly for your reimbursement claims. Each month, Take Command Health will deliver a reimbursement statement to your employer so they know exactly how much to reimburse you. Double-check with your employer on the timing and process of the tax-free reimbursement.
I’m already on an individual insurance plan & I want to stay on the same plan next year. What do I do?
On the individual insurance exchange, many plans change from year to year, sometimes significantly, and we always encourage people to shop around to see what their full set of options are. In many cases, you may find that a better option is available due to the changing circumstances of the individual health insurance market.
If you know your current plan will be offered next year and want to stick with it, it should renew automatically with no action. But we’ll still need you to show an updated proof of coverage showing that this is your selection for 2021, so you can get reimbursed! Your premium amount may change a bit, so you’ll want to set up a new reimbursement for 2021, as well.
If I’m on Medicare or about to become eligible for Medicare, can I participate in an HRA?
Yes, Medicare is a qualifying health insurance plan that can be reimbursed through both ICHRA and QSEHRA, though the requirements vary slightly.
With ICHRA, an employee must have Part A and B or Part C to qualify for participation. All parts of Medicare (Parts A, B, C & D), as well as Medigap coverage, are reimbursable for qualified employees and their dependents. Read this blog to learn more about ICHRA and Medicare.
If you are eligible or about to become eligible for Medicare, Take Command has an official enrollment partner who can help you enroll in Medicare coverage that is reimbursable through your employer’s health reimbursement arrangement. Reach out to us to get started!
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