Members
Help content for employees
425 articles
- What is Thatch?
- What can I change when I have a qualifying life event?
- Can I enroll after my enrollment window closes?
- How do I create my Thatch account for the first time?
- What is my Thatch employee health budget?
- What's the difference between my health budget and my balance?
- Can I use my health budget for dental and vision premiums?
- How is my employee health budget amount calculated?
- Why is my health budget different from my coworker's?
- Where do I find my health budget amount?
- Where is my CHOICE Notice in Thatch?
- When does my health budget get added to my account each month?
- In what order is my health budget applied each month?
- How does my premium get paid if I brought an external plan?
- What happens if my premium costs more than my health budget?
- When can I start using my health budget?
- How do I pay for healthcare with my health budget?
- When does my Thatch card become available?
- How do I activate my Thatch card?
- Can I use my Thatch card in person as well as online?
- What do I do if my Thatch card isn't active when I need to enroll?
- What can I spend my health budget on?
- How do I know if my employer's plan lets me spend my health budget on eligible health expenses?
- Does my health budget roll over from month to month?
- Does my health budget roll over at the end of the year?
- What's the deadline to submit reimbursements for last year's expenses?
- Can I cash out my unused health budget?
- Can I move my unused health budget into an HSA or FSA?
- Are my health budget reimbursements taxable?
- Can I use my health budget for expenses from before my coverage started?
- What happens to my health budget if I leave the company?
- What is an Eligible Health Expense?
- What is a Qualifying Life Event (QLE)?
- How long do I have to report a qualifying life event to Thatch?
- What's the difference between Open Enrollment and Special Enrollment?
- Do I need documentation to prove my qualifying life event?
- Why don't I see the 'Add qualifying life event' option on my dashboard?
- How do I enroll in a health plan in North Dakota with my Thatch health budget?
- How do I tell Thatch about a plan I bought on my own?
- How do I enroll in a health plan in Nebraska with my Thatch health budget?
- How do I enroll in a health plan in New York with my Thatch health budget?
- How do I enroll in a health plan in South Dakota with my Thatch health budget?
- How do I enroll in a health plan in Wisconsin with my Thatch health budget?
- How do I enroll in a health plan in Wyoming with my Thatch health budget
- How do I enroll in a health plan in Alaska with my Thatch health budget?
- How do I enroll in a health plan in Alabama with my Thatch health budget?
- What are the "Hold" transactions on my Transactions page?
- How do I enroll in a health plan in Oklahoma with my Thatch health budget?
- If I accept my CHOICE plan, can I still claim a premium tax credit?
- The carrier wants payment while I'm enrolling — can I use my Thatch card?
- Should I take my CHOICE health budget or the marketplace subsidy?
- Do I have to remove my premium tax credit if I'm using a CHOICE plan?
- How do I remove my ACA premium tax credit?
- What effective date should I use when removing my premium tax credit?
- What proof does Thatch need after I remove my tax credit?
- Will I have to repay premium tax credits on my tax return?
- What rights do I have under the No Surprises Act?
- Where do I get my ICHRA notice if the marketplace or my insurer asks for proof?
- Where can I learn more about the No Surprises Act?
- Does Thatch administer HSAs?
- Why do I need to take a screenshot of my plan before I finish enrolling?
- Can Thatch share my policy details with my HR representative?
- Can I spend my existing HSA funds while I'm enrolled in coverage through Thatch?
- What email address does my Thatch invitation come from?
- Can I reply to emails from hello@thatch.com?
- How do I tell Thatch about a plan I bought on the marketplace myself?
- Where do I ask general questions about my health insurance?
- How much do I have to spend out of pocket before my allowance kicks in if I want to contribute to an HSA?
- What plan details do I have to enter in Thatch after I enroll off-platform?
- How should I pay my monthly premium for a plan I bought off Thatch?
- Who should I ask about how HSA and ICHRA tax rules apply to me?
- How do I contact Thatch member support?
- Can I use my Thatch card to pay my first month's premium?
- Does Thatch pay my dental and vision premiums for me?
- What kind of documents might Thatch need from me?
- Do I have to add my doctors, pharmacies, and prescriptions when shopping for a plan?
- Can I take an ACA premium tax credit if my CHOICE is affordable?
- What are the penalties for offering an unaffordable CHOICE?
- What is the 4980H(a) penalty and when does it apply?
- What is the 4980H(b) penalty and when does it apply?
- Do ACA penalties apply if none of my employees take a subsidy?
- What is a 'provider' in insurance terms?
- How do I calculate whether I provide 50% of my domestic partner's support?
- How do I securely upload documents to Thatch?
- Does my domestic partner need to be recognized in my state?
- What kind of documents might Thatch need from me?
- How do I know if my employer lets me spend my balance on eligible health expenses?
- Which qualifying life event do I pick if my employer offered me an ICHRA?
- Can I take a premium tax credit and still use my Thatch allowance?
- How do I enroll in a health plan in Washington DC with my Thatch health budget?
- How do I enroll in a health plan in Kansas with my Thatch health budget?
- The marketplace keeps applying a tax credit — how do I get rid of it?
- How do I enroll in a health plan in Louisiana with my Thatch health budget?
- When do dental and vision plans appear during enrollment?
- If you're enrolling dependents, you must add their information in the Your budget page during the plan selection flow.
- How do I add dependents when I first select my plan on Thatch?
- When does my dependent's new coverage start?
- What information do I need to provide about my dependent?
- What if my newborn doesn't have a Social Security Number yet?
- What if the name on my documentation doesn't match Thatch's records?
- Will my new dependent be added to my dental and vision plans too?
- What is a mixed enrollment and how do I change dependents if I have one?
- What information does Thatch need to add my dependent's off-Thatch plan?
- How do I cover a dependent who lives in another state or has their own plan?
- How do I enroll in insurance coverage through Thatch?
- What kind of medical plan do I need to use my Thatch allowance?
- Do I need a medical plan before I can use my health budget for dental or vision?
- Which medical plans are eligible for my Thatch allowance if I'm under 65?
- Which plans are eligible for my Thatch allowance if I'm 65 or older?
- Which plans can I not use my Thatch allowance with?
- I have TRICARE or coverage through my spouse — can I still use my allowance for dental and vision?
- Can I keep my current plan and use my Thatch allowance to pay for it?
- Can I enroll in a Thatch plan if I'm under 18?
- Who do I contact with questions about enrollment or plan eligibility?
- Can I use my Thatch allowance if I'm on COBRA?
- What happens if I missed my enrollment deadline?
- What is Bring Your Own Plan (BYOP) on Thatch?
- What is a formulary?
- Can I use my Thatch health budget if my plan has a subsidy or premium tax credit?
- Is a catastrophic health plan eligible for my Thatch health budget?
- What's the difference between an ICHRA and an HSA?
- Is student health insurance eligible for my Thatch health budget?
- Can I bring a retiree health plan onto Thatch?
- What are prescription drug tiers and how do they affect what I pay?
- Where do I find a plan's formulary on Thatch?
- How do I search for plans that cover my specific medication?
- Is the generic version of my drug cheaper than the brand name?
- What should I do if the formulary link in my Summary of Benefits doesn't work?
- Can I turn down my CHOICE plan and take a marketplace subsidy instead?
- What should I do if I find an error in my insurance provider directory?
- What if I forgot to save a screenshot of the plan I enrolled in?
- How do I buy a marketplace health plan with my Thatch allowance?
- Where do I file a complaint about an inaccurate provider directory?
- How often do insurance carriers have to verify their provider directories?
- Can I use my Thatch health budget for dental or vision coverage only?
- Can I bring my employer-sponsored group health plan onto Thatch?
- What kind of health plan do I need to be enrolled in to receive my employer's Thatch employee health budget?
- How do I add my domestic partner when I first enroll on Thatch?
- Can I contribute to an HSA while I'm on a Thatch ICHRA?
- Why can't I request provider calls close to my enrollment deadline?
- How do I schedule time with Thatch's licensed concierge team?
- How do I request that Thatch call my providers?
- Are bronze and catastrophic plans HSA-compatible?
- How many providers and plans can Thatch check for me?
- What happens after I submit a provider call request?
- When should I bring my own plan instead of choosing one through Thatch?
- Why does my provider show as 'unknown' instead of in-network?
- What if my carrier's directory said a provider was in-network but they weren't?
- What's the difference between buying a plan through Thatch and bringing my own?
- Is my doctor's in-network status guaranteed once I enroll?
- How long does it take to get provider call results?
- Which types of plans can I use my CHOICE health budget with?
- Do insurance carriers have to keep their provider directories accurate?
- How do I check on my own whether my doctor is in-network?
- What do the provider call results mean — in-network, out-of-network, or unknown?
- Which plans can I NOT use my CHOICE health budget with?
- What exactly should I ask my doctor's office when confirming network status?
- Can I enroll in a plan while provider calls are still in progress?
- Can I edit or cancel my provider call request after submitting it?
- Where do I find my insurance carrier's provider search tool?
- What are my rights if my insurer gave me incorrect provider network information?
- Can I submit more than one provider call request?
- Can Thatch call my doctors to check if they're in-network?
- Am I eligible to have Thatch call my providers?
- What if I don't hear back about my provider calls?
- I didn't get a confirmation email for my provider call request — what now?
- Why can't I spend my Thatch balance on eligible health expenses if I have an HSA?
- What website do I use to buy an individual health plan in Washington DC?
- Which browser should I use for DC Health Link?
- Which qualifying life event should I choose on DC Health Link?
- Can I get a pre-tax medical plan through Thatch in New York?
- In New York, will my extra premium be deducted pre-tax or post-tax?
- Which qualifying life event should I select on NY State of Health?
- Which medical plans are eligible for my Thatch health budget if I'm 65 or older?
- Can I use my Thatch health budget to pay for COBRA?
- Is a health sharing ministry plan eligible for my Thatch health budget?
- If I have TRICARE or my spouse's employer coverage, can I still use my health budget on Thatch?
- How do I find out what my prescriptions will cost before I pick a plan?
- How do I find out what my prescriptions will cost before I pick a plan?
- Which medical plans do NOT qualify for my Thatch health budget?
- What kind of health plan do I need to be enrolled in to receive my employer's Thatch employee health budget?
- Do I need a qualifying life event to add or remove a dependent mid-year?
- What if it's been more than 30 days since my qualifying life event?
- How long do I have to add or remove a dependent after a qualifying life event?
- Can I switch to a different plan at the same time I add a dependent?
- What documentation do I need to upload to add or remove a dependent?
- When does a removed dependent's coverage actually end?
- How do I remove a dependent from my plan?
- How long does the carrier take to process a dependent change?
- When does a removed dependent's coverage actually end?
- What happens after I submit a dependent change?
- Can I use my Thatch card to pay for my dependent's off-Thatch premium?
- How will adding or removing a dependent change my premium?
- How do I check the status of my insurance enrollment?
- What do the enrollment tracker statuses mean?
- Why does my enrollment still say "Enrolled" instead of "Active"?
- Can I get my insurance card before the physical one arrives in the mail?
- Will I be automatically enrolled in next year's plan?
- Why doesn't my coverage start date match what I expected?
- How does coordination of benefits work?
- Can I keep my current medical plan and pay for it with my Thatch health budget?
- What do the statuses on my enrollment tracker mean?
- Can my coverage start date be backdated?
- Am I covered if my carrier portal doesn't show me as active yet?
- What happens if my coverage effective date is corrected to an earlier month?
- When will my coverage start based on when I enroll?
- Why can't Thatch cancel my insurance plan for me?
- How do I cancel my individual health insurance policy?
- How do I cancel my Highmark plan?
- How do I cancel my UnitedHealthcare plan?
- What happens if I just stop paying my premiums instead of canceling?
- How do I switch to a different insurance carrier?
- Do I need to cancel my plan if I'm switching to a different plan with the same carrier?
- What happens to my Thatch health budget if I cancel my medical coverage?
- What should I do to make sure my cancellation goes smoothly?
- What cancellation date should I ask for when I leave my employer?
- Does my health insurance cancel automatically when I leave my job?
- How do I keep my health insurance after leaving my job?
- Do I need COBRA to keep my health insurance through Thatch?
- Why would I enroll in COBRA through Thatch?
- When will I receive COBRA enrollment instructions?
- How do I reach the right department at my insurance company?
- What will my insurance cost if I stay on my plan but skip COBRA?
- Where can I get a letter confirming my coverage has ended?
- Can I cancel my COBRA participation at any time?
- When will I receive my member ID card in the mail?
- Who is the legal policy holder of my insurance plan through Thatch?
- Could I lose my coverage because of a late payment notice?
- When do my Special Enrollment plan changes take effect?
- How do I change my health plan through Thatch?
- Who am I allowed to add to my insurance plan?
- Can I remove a dependent from my plan in the middle of the year?
- What documents do I need to add my spouse to my plan mid-year?
- What documents do I need to add my domestic partner to my plan mid-year?
- What documents do I need to add my child to my plan mid-year?
- What documents do I need to add another type of dependent mid-year?
- Is having a baby or adopting a child a qualifying life event?
- Is getting married a qualifying life event?
- Is getting divorced or legally separated a qualifying life event?
- Is the death of a spouse or dependent a qualifying life event?
- When does coverage start for a newborn or newly adopted child?
- Is moving to a new state, county, or ZIP code a qualifying life event?
- Can I request a plan change before my move date?
- Do I need to cancel my current plan before enrolling in a new one after I move?
- Can I keep my current plan if I move to a new state?
- What happens to my coverage if I move in the middle of treatment?
- How long do I have to update my insurance after moving?
- Is losing my other health coverage a qualifying life event?
- Is aging off my parent's plan at 26 a qualifying life event?
- Is losing Medicaid or CHIP eligibility a qualifying life event?
- Is my COBRA coverage ending a qualifying life event?
- Can I enroll in a new plan before my old coverage ends?
- Is becoming newly eligible for my employer's Thatch employee health budget a qualifying life event?
- Is a change in my immigration status a qualifying life event?
- Is release from jail or prison a qualifying life event?
- What documentation does each type of qualifying life event require?
- What documents prove I moved to a new address?
- What documents prove I lost my previous medical coverage?
- How do I find my insurance carrier's member portal?
- How do I change or update a plan I brought to Thatch?
- Do I need to tell Thatch if I change or cancel my own plan?
- Can Thatch send me a copy of my member ID card?
- Where do I find my member ID in my Thatch account?
- Why don't I see a member ID in my Thatch dashboard?
- How do I get a digital copy of my medical insurance ID card?
- How do I get my Renaissance Dental ID card?
- How do I get my Guardian Dental ID card?
- How do I get my VSP vision ID card?
- Can I use my insurance before my ID card arrives?
- What should I do if my doctor's office can't find my insurance in their system?
- Which life changes do NOT count as a qualifying life event?
- Why does my carrier keep routing me to the Group department or the Marketplace?
- My spouse got coverage elsewhere — can I change my own plan?
- When should I update my personal information with my insurance carrier?
- How do I update my date of birth or SSN?
- How do I update my address?
- How do I update my phone number?
- How do I know if my doctor accepts an insurance plan on Thatch?
- How do I correct personal information held by my insurance company?
- What is the birthday rule for children covered under both parents' plans?
- Which medical plans are eligible for my Thatch health budget if I'm under 65?
- What will my insurer ask me if I have other health coverage?
- Where do I go to manage my benefits, payments, and plan changes?
- Who do I contact if I don't know whether Thatch or my carrier holds my information?
- Should I contact my carrier or Thatch to change or cancel my plan?
- What is my insurance carrier's customer service phone number?
- What do I do if my qualifying life event type isn't listed on Thatch?
- How do I find the right Ambetter phone number for my state?
- How do I contact my dental or vision carrier?
- How do I add my domestic partner to a plan I'm already enrolled in?
- Why should I contact my carrier's Individual and Family Plan department instead of the group department?
- What is a 'qualifying relative' and why does my domestic partner need to be one?
- How do I add my domestic partner when I first enroll on Thatch?
- How do I set up my carrier member portal account for the first time?
- What do I do if I haven't received my insurance ID card yet?
- Can I use my health budget to pay for a dependent's separate group insurance plan?
- How do I add a dependent to my plan step by step?
- I'm on Medicare — can I use the self-serve dependent change flow?
- Am I considered Medicare eligible on Thatch?
- Can I use my Thatch health budget to pay for Medicare?
- Do I have to enroll in Medicare Parts A and B to get my Thatch benefits?
- What do the different Medicare 'Parts' cover?
- Which Medicare plans can I reimburse through Thatch?
- I already have Medicare — how do I add it to my Thatch account?
- Can Thatch help me enroll in Medicare?
- How do I enroll in Medicare on my own and add it to Thatch?
- Can I enroll in dental or vision through Thatch if I'm on Medicare?
- What does 'Original Medicare' mean?
- Are Medicare Supplement (Medigap) plans reimbursable through Thatch?
- When can I sign up for Medicare and when does coverage begin?
- How do I get my Medicare Parts A and B started?
- My spouse and I delayed Medicare Part B for employer coverage — what do we do now?
- How do I pay my Medicare premiums with my Thatch card?
- What is Medicare EasyPay and should I set it up?
- Why is there a hold on my Thatch card for my Medicare premium?
- How do I get reimbursed for Medicare premiums I paid out of pocket?
- Can I be reimbursed if my Medicare premium is deducted from my Social Security check?
- How long do Medicare premium reimbursements take?
- What if I don't know my Medicare premium amounts yet?
- What if I'm 65 or older but not eligible for Medicare?
- Can my under-65 spouse or family member get an individual plan while I'm on Medicare?
- Can someone over 65 choose an individual plan instead of Medicare?
- What does Medicare Part B cover?
- What is Medicare Part C (Medicare Advantage)?
- What is Medicare Part D, and do I need it?
- What can I reimburse with my Thatch health budget?
- Does my unused Thatch health budget roll over month to month?
- How do I connect my bank account to receive reimbursements?
- What do I do if I can't link my bank account through Plaid?
- How do I submit a reimbursement request on Thatch?
- What information do I need to submit an insurance premium reimbursement?
- What information do I need to submit an eligible health expense reimbursement?
- Can I use my Thatch health budget for things other than insurance premiums?
- Do my expenses have to happen while my Thatch coverage is active?
- Can I submit a reimbursement for a future month of coverage?
- Can I submit a medical bill for reimbursement before I've paid it?
- What does an itemized receipt need to show for a reimbursement?
- Will Thatch accept a credit card statement as proof of an expense?
- When do I need a Letter of Medical Necessity for a reimbursement?
- Can I be reimbursed for a medical expense I paid in a foreign currency?
- How long does it take Thatch to review my reimbursement?
- What happens if Thatch decides my expense isn't eligible?
- What do the different reimbursement statuses mean?
- My reimbursement says "Bank disconnected" — how do I fix it?
- What records should I keep for my reimbursements?
- When is the deadline to submit reimbursements for a plan year?
- What happens to my Thatch balance if I leave my job mid-year?
- Can I be reimbursed for premiums I paid before accepting my CHOICE health budget?
- What happens to unused balance at the end of the year?
- Can I combine multiple expenses into one reimbursement request?
- Can I split one large expense into multiple reimbursement requests?
- Can I submit a reimbursement for a family member's eligible health expense?
- Why was my reimbursement request rejected?
- I submitted the wrong amount on my reimbursement — how do I fix it?
- How do I find out whether a specific expense qualifies for reimbursement?
- How long do I have to file reimbursements after leaving my employer?
- Can I get reimbursed twice if I have two health insurance plans?
- Why did I get a late payment notice from my insurance carrier?
- Should I pay my carrier directly if I get a bill?
- Can I get a refund for unused premiums after I cancel?
- Does Thatch pay my insurance premiums for me?
- When can Thatch not set up autopay with my insurance carrier?
- Do I need to make the first premium payment myself after enrolling?
- Can I ignore a late payment notice from my insurance company?
- Why did I get a late payment notice if Thatch pays my premiums?
- How do I pay my premiums if I brought my own plan?
- What happens if I miss a premium payment on my own plan?
- Can I use my health budget to pay for a dependent's separate group insurance plan?
- How do I log in to Thatch with a magic link?
- Why does Thatch recommend magic links instead of passwords?
- How long is my Thatch magic link valid?
- How do I change the email address on my Thatch account?
- Can I sign in to Thatch with my Google account?
- Can I still log in to Thatch with an email and password?
- How do I free up my email address from an old Thatch account?
- Why am I getting an "invalid email" error when signing up for Thatch?
- What do I do if I forgot which email I used for Thatch?
- What do I do if I forgot my Thatch password?
- Why am I not receiving my Thatch sign-in link or password reset email?
- What if I don't have a second email address to move my old Thatch account to?
- What if I don't have a second email address to move my old Thatch account to?
- Why don't I see Thatch card details in my account?
- How do I ask Thatch whether a specific expense is eligible?
- Are vitamins and supplements an eligible health expense?
- How do I submit a receipt to Thatch by text message?
- Are gym memberships covered by my Thatch balance?
- Are cosmetic procedures and general wellness products eligible expenses?
- Why was my Thatch card declined at a merchant?
- Are over-the-counter medications an eligible health expense?
- Are sports drinks and electrolyte products an eligible health expense?
- Where can I use my Thatch card?
- Are weight loss programs an eligible health expense?
- Can I use my Thatch balance for my spouse's or dependents' medical expenses?
- What happens after I make a purchase with my Thatch balance?
- Do I need a receipt for every purchase I make with my Thatch balance?
- Are Direct Primary Care (DPC) membership fees an eligible health expense?
- What are common examples of eligible health expenses?