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Get reimbursed for vision insurance with your HRA. Take Command - October 5, 2026 Your eyes play an important role in your overall health and vision care can add up quickly. If you have an HRA through your employer, you may be able to use your HRA funds to reimburse the cost of an individual vision insurance plan. Both CHOICE Arrangements, formerly known as Individual Coverage HRAs (ICHRAs), and Qualified Small Employer HRAs (QSEHRAs) can reimburse eligible medical expenses, including qualifying insurance premiums. That means your HRA can help make individual vision coverage more affordable. Where can I buy individual vision insurance? If you're looking for individual or family vision coverage, you have several options. Take Command has partnered with a few vision insurance providers - Guardian, Renaissance, and Insurance for Everyone - to make it easier to find coverage that works with your HRA. When shopping for a plan, be sure to compare the premium, network, covered services, allowances for glasses and contacts, and any other plan limitations. Guardian Guardian offers individual vision plans with coverage for routine eye exams, glasses, and contact lenses. Its individual vision plans include options at different coverage levels, so you can choose the plan that fits your needs and budget. Explore & Enroll in Guardian vision plans | Renaissance Renaissance offers individual vision insurance options that can be purchased directly through its Active Lifestyles enrollment experience. Enter your ZIP code, coverage start date, date of birth, and household information to view available plans and pricing in your area. Explore & Enroll in Renaissance vision plans | Insurance for Everyone Insurance for Everyone Insurance for Everyone (IFE) makes it possible to compare and shop for individual insurance plans from multiple carriers. Its platform includes vision insurance along with other types of coverage. Availability and plan options vary by state, so enter your ZIP code and date of birth to see the plans available to you. Explore & Enroll in vision plans through Insurance for Everyone | Why consider vision insurance? Vision insurance can help cover the cost of routine eye exams, prescription glasses, contact lenses, and other vision care. Even if you have medical insurance, routine vision care may not be included in your medical plan. Regular eye exams are also an important part of preventive care. In addition to checking your vision, an eye exam can sometimes identify signs of other health conditions. And with an HRA, you may be able to use your employer-provided funds to help pay the premium for your individual vision coverage. How do I choose a vision plan? Vision insurance can vary from one plan to another, so it's worth taking a few minutes to compare your options. Here are a few things to look at: * Premium: How much will you pay each month for coverage? * Eye exams: What does the plan cover, and what will you pay when you visit an eye doctor? * Glasses and contacts: Look at the plan's allowances, copays, and frequency limitations for frames, lenses, and contacts. * Provider network: Make sure your preferred eye doctor or optical provider participates in the plan's network. * Family coverage: If you're covering a spouse or children, compare the total premium and benefits for the entire family. Remember, the lowest monthly premium isn't necessarily the best fit. Look at the plan as a whole and consider the vision care you and your family are likely to need. How does HRA reimbursement for vision insurance work? Once you've selected an individual vision plan, the process is straightforward: * Choose a vision plan and enroll. Select the coverage that works for you and your family. * Set up your premium payment. Pay your vision insurance premium according to the plan's requirements. * Submit your vision plan's proof of coverage to set it up as a recurring premium for monthly reimbursement. Log in to your Take Command platform to submit a claim and set up a new recurring premium. * Get reimbursed. Once your expense is approved, your eligible vision insurance premium can be reimbursed by your employer, up to the amount of your HRA allowance. Can I use my HRA for vision expenses, too? Potentially, yes. Depending on your employer's HRA's design, HRA funds may be available for other eligible vision expenses in addition to insurance premiums. For example, eligible vision care expenses may include things such as eye exams, prescription eyeglasses, and contact lenses. Your HRA's specific rules determine which expenses are eligible for reimbursement. See your vision coverage clearly An HRA can give you more flexibility in how you pay for eligible healthcare expenses. If you need individual vision insurance, using HRA funds to reimburse your eligible premiums can help make coverage more affordable while giving you the freedom to choose a plan that works for you. Take a look at the vision insurance options available through Guardian, Renaissance, and Insurance for Everyone, then choose the coverage that makes sense for your needs. Vision plan availability, premiums, benefits, networks, and eligibility vary by state and individual circumstances. HRA eligibility and reimbursement rules vary by plan. Review your HRA plan documents and the insurance plan details before enrolling. Take Command Its HRA management solutions help companies of all sizes reimburse employees for health insurance, giving employees choice over what works best for them and promoting health and wellness within an organization. Take Command Health offer ICHRA and QSEHRA administration software designed to be simple, effective, and empowering. Take Command is trusted by 7,000+ leading organizations and the only HRA administrator with in-house enrollment support. Take Command - October 5, 2026 Take Command - February 8, 2023 Take Command - October 5, 2026 Take Command - February 8, 2023

Insurance moves: NFP, Starkweather, Centene, Guardian and Corgi Insurance. Centene's board sees a retirement and a new appointment, while an SEC enforcement veteran joins an AI-native startup carrier as compliance chief. A number of insurance and financial services organizations announced leadership changes this week, spanning property and casualty brokerage, employee benefits consulting, individual retirement solutions and corporate governance. NFP added a senior vice president to its upstate New York risk capital team, Starkweather & Shepley named a new employee benefits practice leader following a long-serving executive's retirement, Guardian appointed a head of distribution for its individual markets business, Corgi Insurance brought on a head of compliance and regulatory affairs, and Centene Corporation confirmed a board retirement alongside a new board appointment. NFP adds Fran Chamberlain as SVP for upstate New York risk capital. NFP, an Aon company and P&C broker and benefits consultant, has named Fran Chamberlain (pictured, left) senior vice president, Risk Capital - the division within NFP that manages client relationships and carrier placements for property and casualty business. Based in Albany, New York, Chamberlain will manage client relationships and lead operational and strategic initiatives for upstate New York, reporting to Paul Costantino, regional managing director, P&C. Chamberlain most recently served as senior manager of training and development at Acrisure, overseeing employee development and regional operations. She previously spent nearly 20 years with CLG Insurance in the Albany area in several roles, and holds the Certified Insurance Service Representative and Certified Insurance Counselor designations from The National Alliance for Insurance Education & Research. Costantino said Chamberlain's P&C background and experience leading client-facing teams would strengthen NFP's presence in upstate New York. Starkweather & Shepley names employee benefits practice leader. Starkweather & Shepley Insurance Brokerage has appointed Chris Nadeau (pictured, center) as employee benefits practice leader, succeeding Joan Greenwell, who is retiring after more than 15 years in the role. Nadeau brings more than 35 years of employee benefits consulting experience and will oversee the practice's growth and strategic direction, including expanding consulting capabilities and strengthening carrier and client relationships. Andrew Fotopulos, chairman and CEO of Starkweather & Shepley, credited Greenwell with building the practice's foundation over her tenure and said Nadeau's experience positions him to lead its next phase as clients navigate an increasingly complex healthcare and benefits environment. Centene board sees Burdick retirement, Diaz appointment. Centene Corporation has announced that Kenneth Burdick (pictured, right) has retired from the company's board of directors, effective July 28, 2026, and that Paul J. Diaz has been appointed to the board, also effective July 28, 2026. Burdick joined Centene's board in January 2022 following a career that included serving as the company's executive vice president of Products and Markets and, before that, CEO of WellCare Health Plans. Diaz is a managing partner at Cressey & Company, a private investment firm focused on healthcare, and previously served as president and CEO of Myriad Genetics and, before that, of Kindred Healthcare. He has also served on the boards of DaVita and PharMerica. Guardian appoints head of distribution. The Guardian Life Insurance Company of America has named Kevin Luebbers head of distribution, responsible for the sales and distribution strategy across its individual markets businesses. Luebbers will report to Mike Perry, Head of Client Solutions and Wealth Management, and will help expand Guardian's protection, wealth management, and retirement solutions offerings. Luebbers joins Guardian from Jackson National Life, where he most recently served as head of sales. Over a 25-year career, he has led distribution and growth strategies across wirehouse, bank, independent, agency, hybrid, and registered investment advisor channels. Corgi Insurance names head of compliance and regulatory affairs. Corgi Insurance, a licensed carrier that underwrites, prices, issues and administers its own policies rather than distributing coverage through brokers or managing general agents, has appointed Andrew Hefty as head of compliance and regulatory affairs. Founded in 2024 and a graduate of Y Combinator's Summer 2024 batch, Corgi won regulatory approval as a licensed carrier in July 2025 and offers startups coverage including D&O, E&O, cyber, commercial general liability, hired and non-owned auto and fiduciary liability, using AI systems to run underwriting, policy administration and claims in-house. Hefty will lead the company's compliance and regulatory strategy, oversee its compliance programs, manage relationships with regulators and outside counsel, and advise Corgi's executive team and board on regulatory matters as the company expands into new products and markets. Hefty joins Corgi after more than a decade with the US Securities and Exchange Commission's Division of Enforcement, where he served as an investigative and senior trial attorney handling securities fraud, deceptive offerings, and insider trading cases. He previously spent nearly 15 years in private practice, most recently as a partner at an international law firm, and began his legal career in the US Navy's Judge Advocate General's Corps. "I've spent my career on both sides of the regulatory relationship: 15 years in private practice helping organizations navigate complex legal and regulatory challenges, and a decade at the SEC on the enforcement side, seeing firsthand what regulators expect and what happens when individuals and companies get it wrong," Hefty said.