Proof of coverage: What do employee's need to submit with their reimbursement request?

For employees to get their reimbursement request approved, they'll need to show their employer that they're currently enrolled — or will soon be enrolled — in a health plan. This is one of the most common reasons a client's employee runs into a delay, so it's worth knowing what counts.

Accepted proof of coverage documents

• A bill or invoice from the insurance provider
• A screenshot of the enrollment confirmation page
• A screenshot from the health insurance online portal
• An email confirmation of enrollment
• The healthcare.gov confirmation page

What usually gets a document rejected

The most common issues are a document that doesn't clearly show the employee's name, plan dates, or premium amount, or one that doesn't confirm enrollment in a qualifying 12-month health plan. If your client's employee already got declined once, see Why a Reimbursement Gets Declined (And What Your Client Should Do) for the full breakdown.

Approval is ultimately at the employer's discretion. If you or your client's employee are unsure whether a document will be accepted, it's worth checking with the Admin before submitting rather than after a decline.