Canceling health insurance policy - Can I do it anytime?

Submitted by Anonymous (not verified) on Tue, 01/20/2009 - 11:23

My health insurance is through my employer but I'm seriously considering canceling health insurance since their rates are way to high. Can i cancel my health insurance anytime I need? or, there isn't anyway out of it? :(

Posted: 20 Jan 2009 11:35 Post Subject: cancelling health insurance

Walker, let me tell you one thing first that its not always a good plan canceling health insurance policy. You may think that what the group health insurer is charging you for the coverage is high, you would find the private health insurance rates are even higher.

However, if you are paying for the policy through the pre-tax income you may not be able to cancel it before the next enrollment period. Hope you would reconsider your decision.

~Jeremy

Posted: 20 Jan 2009 11:45 Post Subject: cancelling health insurance

J, how much to you recon a trip to the ER costs and a couple of xrays, then maybe an mri? WAY MORE that your premium honey...seriously canceling health insurance BEFORE you have ANOTHER health policy in place is a REALLY BAD idea...how much is it a month?

Posted: 20 Jan 2009 11:45 Post Subject: can i cancel my health insurance anytime?

there isn't anyway out of it?



Well, if the employer decides on cancelling employer health plan between the term, your policy would get canceled automatically, vis-a-vis, if the insurer decides not to offer coverage to your employer any long it would also cancel the plans. However, there are few other factors that may allow you to make changes in the plan...

- Divorce or change in the marital status
- death of the dependent
- change in the dependent status
- change in your employment status

Posted: 20 Jan 2009 12:46 Post Subject: canceling health insurance

How old is the policy? Before you send them any health insurance cancellation letter, remember that there are also locking periods for few policies, usually 3 years. Surrendering may surely not beneficial before this period. Few policies offer returns on the accumulated premiums though not continued further , as of here. However,

Posted: 20 Jan 2009 03:09 Post Subject: cancelling health insurance

You may be able to cancel your policy and get a less expensive one in the private market. This depends on your employer's rules. Cancelling employer health plan may not be possible until the next open enrollment period.

Here are the steps I recommend.

  • Contact your human resources department to see if you can cancel your policy. Don't cancel it yet, just see if you can. If you can, proceed to the next step.
    Contact a local agent to see if you can get substantial coverage for a lower price.
    Apply for a policy that will start on a future date that coincides with a date that you can cancel your policy.
    If approved proceed with Canceling health insurance.

Posted: 21 Jan 2009 10:23 Post Subject: Canceling health insurance

Hi Alston, I always thought that group health insurance is a cheaper alternative than buying private insurance in the open market. Ins't that true? Can the OP get a cheaper rate for the health plan than the one with his employer? Will it be wise for the OP in cancelling group health insurance?

Posted: 21 Jan 2009 11:43 Post Subject: can i cancel my health insurance?

Ins't that true?


I don't think it always goes that way!
Group health insurance premiums should be calculated upon a lot of other factors. What if the average age of the group is much beyond your actual age! What if a couple of them in that group has some health conditions!
I'd rather go for an individual health coverage under such circumstances.

Posted: 21 Jan 2009 12:12 Post Subject: canceling health insurance

In some states group insurance is often MORE expensive. This is true when individual insurance plans are underwritten and group plans are not.

If an insurance company is forced to take everyone who applies for a group insurance plan regardless of their health status, the group policy will be more expensive. In such a case, if you can find a cheaper plan outside the employer provided policy with the same coverage as this, you may think of cancelling employer health plan.

Posted: 21 Jan 2009 02:04 Post Subject: canceling health insurance

"I always thought that group health insurance is a cheaper alternative than buying private insurance in the open market. Ins't that true?"

The thing to realize is that with group insurance, your employer is typically paying a larger portion of your premium than you are, so that $200 (or whatever it is) may be only part of the total $450. IIRC, the average group insurance premium hovers around $350 while the average individual premium is around $250. As far as the original poster goes, if they work for a small employer they may be better off getting an individual policy for several reasons.

- Small employers get absolutely gouged on group rates
- Small employers sometimes pay little if any of the group cost, so employees are stuck with more of the bill.

Posted: 22 Jan 2009 05:43 Post Subject: can i cancel my health insurance?

J walker, can u brief for our info how U arrived to this conclusion that the better options?

Posted: 28 Jan 2009 05:48 Post Subject: canceling health insurance

A trend that I have been seeing recently is that although an employer is paying a decent portion of the employee's premium, they are starting to pay very little if any portion of the employees family members part. i used to only occasionally run into that with small employers but it seems to be spreading to larger ones now.

Posted: 31 Jan 2009 03:39 Post Subject: can i cancel my health insurance anytime?

Most of the time you cannot beat a group health plan. Make sure you are not cancelling group health insurance until you know for sure you can get approved for an individual plan.

Posted: 09 Feb 2009 02:05 Post Subject: canceling health insurance

You want to prepare a health insurance cancellation letter so that you can send it to your insurance company when you want to cancel your policy. You may find that you need to use a different insurance because of price or other factors but that letter will give you protection

Posted: 10 Feb 2009 10:19 Post Subject: cancelling health insurance

Jeroge, the group health insurance may not always be the cheaper alternative, rather, since the insurer can't exclude anyone from the group plan the cost of coverage gets distributed amongst the participant of the plan. And, therefore, you may end up paying more premium than required for the not-so-healthy participant of the plan.

Further, if you are between jobs and choose to continue with the existing coverage, the cost of the entire plan would come to you which can double the premium rate on the policy.

Regards,
Juanita

Posted: 20 Feb 2009 12:50 Post Subject: can i cancel my health insurance anytime?

You can cancel from month to month just ask human resources or the owner for a health insurance cancellation letter for cancelling group health insurance.

Posted: 20 Feb 2009 06:40 Post Subject: canceling health insurance

I'm not sure that you can opt out of the group health policy whenever you want. You have to wait for the term to get over. Also, there is a tax issue of the employer associated with it.

Rupert

Posted: 20 Feb 2009 12:16 Post Subject: cancelling group health insurance

I agree. If it is a group policy you will more than likely have to wait. Also remember that not having coverage and then getting hurt can really cost a lot of money. Hopefully you have another type of coverage that you are thinking of getting.

Posted: 04 Mar 2009 11:35 Post Subject: Can you cancel group health insurance?

If the company you work for have more than 50 employees, and if you are locked in a group plan where you can only make changes to your policy once a year, you may be in trouble. So, since I was locked in a group plan, I can advise you to first call human resources and tell them that you can no longer afford it, and that you will be looking for another health insurance company and ask them "how do i cancel my health insurance?" Once you have another policy they will have to let you go. Health insurance brokers are all over the country, it is just like purchasing an auto, or home insurance. You must shop around in order to get the best deal. Make sure that you sign up with in an "independent plan" where you pay monthly as you go, that way you won't be trapped for a year. Also be careful with the deductible amounts, it could vary from $1000 to $5000 in a emergency situation. Be very careful when choosing the right plan because a lot of these health companies are out there to get your money...I was a victim of one of them. I was paying $150 a month, with a $1000 deductible for ER care, with co-payment of $30 for MD and $40 to spec., $30 for brand medicine and $15 for generic, and $150 co-payment on the top of the thousand for ER. But let me tell you what I found out. I called my doctor and was informed that he charged $60 for an appointment for people who didn't have insurance, lab $60, my medicine all available at Walmart under the $4 prescription. I had to go to the doctor once every 3 months, I was shocked! I could have been saving $$. You may not even need a health insurance at all...

Posted: 05 Mar 2009 01:21 Post Subject: cancelling health insurance

You may not need it as long as you do not plan on anything happening but who can plan on that? Recently I became sick and for two months straight have been going from doctor to doctor and test to test trying to get to the bottom of my problems. If I had not had medical these medical trips would have probably put me behind thousands of dollars. I have good medical and am very thankful for that. I know a lot of doctors offices has sliding scales for patients with varying incomes but if you had to go all the time I would imagine this would add up quickly. I believe the moral of the whole medical story is there are definitely a lot of pros and cons when talking about health insurance. What works for one does not work for another and the costs can sometimes leave people to have to chose putting food on their table first. I believe the health care system needs revised but until that happens we all just got to decide which avenues are the best ones for us personally.

Posted: 05 Mar 2009 09:52 Post Subject: cancelling health insurance

Hey CR, would you care to share your experience of searching for private health carrier with us? Was it easy? I've heard that private insurers put loads of conditions for issuing a plan. Further, the selection process is very stringent for private health insurance companies. There is also the pre-existing exclusion for the policy holder.

For the last fifteen years I’m covered with my employer and never looked beyond it. Hence, your experience would certainly enlighten me.

Posted: 06 Mar 2009 05:52 Post Subject: canceling health insurance

J maybe you can talk to an insurance agent. Decide why you need the health insurance coverage and how much you are willing to spend on health insurance. But remember do not under insure yourself. Ask the agent to give you a suitable policy that fits your budget. I'd suggest on not cancelling employer health plan yet. Compare what both the policies offer and then take your decision.

I completely agree with Juanita when she says

Further, if you are between jobs and choose to continue with the existing coverage, the cost of the entire plan would come to you which can double the premium rate on the policy.



Keep all this in mind before you cancel your policy.

Posted: 03 Mar 2010 10:47 Post Subject: HOW DO I CANCEL MY KMART HEALTH INSURANCE

I WORK AT KMART AND HAVE PICKED UP BLUE CROSS AND BLUE SHIELD AT A BETTER PRICE.
BUT KMART WONT LET ME CANCEL MY COVERAGE AND THEY TAKE OUT $68 DOLLARS EVERY TWO WEEKS FROM MY PAYROLL CHECK. THEY SAY I HAVE TO KEEP IT TILL OCT 2010.
HOW CAN I CANCEL THIS UNSURANCE OR STOP THEM FROM TAKING THIS MONEY OUT OF MY PAYROLL WITH OUT QUITING MY JOB. SO I DONT HAVE TO PAY FOR TWO INSURANCE COMPANIES?

Posted: 30 Jul 2010 12:12 Post Subject: independant plans are always cheaper

If you are fairly Healthy invidual health care is ALWAYS Cheaper. Group insurance agents dont want you to know that. Group insurance is NOT a group discount. It goes by the health of the Group and it is a guranteed product, Meaning you get coverage NO MATTER WHAT your health issues. So, if you were going to give someone insurance with out ever looking at thier history you have to charge them higher rates to cut your risk.
4 family members paid 1600 in health insurance when they went to go get indivdual insurance it cost only 400 dollars.
Group is never cheaper. IF for any reason you get turned down try another company, Also each state has to have by law, insurance for those who have health issues. Again, it is cheaper than most group plans.
This has been the law for years.
No one takes the time to do the research and they listen to peopel around them with alternative motives or those who just have an opinon and dont know!!!

Posted: 06 Jan 2011 04:45 Post Subject: can i cancel health insurance with employer

I had enrolled through my employers group health plan and was told that now i would have to pay a portion when previously I had not. Which I said fine, but wanted to find out how much. I was finally answered five days after the insurance became active and now want to cancel it and am being told that I can not unless I have a change in status. Only five days have passed from when the active date has been in effect. I have not even received any document or even id cards regarding my new insurance. What can I do?

Posted: 06 Jan 2011 04:53 Post Subject:

Anyone familar with Hippa laws Here is the scenrio Employee informed that thier health insurance was cancelled because they had 1 week in each of the 2 months prior that they did not make 30hrs week required to be eligible for health insurance however employee had enough PTO hours to cover shortage never recieved warning either verbal or written just simple verbal statement after the fact

Posted: 07 Feb 2011 11:13 Post Subject: insanly expensive

I have group ins thru my employer. I pay a crazy monthly premium not including what my employer matches. I have received quotes for a private ins that covers 3 times what my policy does now thru the same ins company and it is half of the cost of the plan thru my company. They will not let me cancel it. Is this legal. I was rushed into choosing a plan becaus eI came to work for this company at the end of open enrollment. The plan covers nothing but well visits and my deductible is 11000.00. Its crazy, Is it legal for them to continue taking money out of my check if I am telling them not too!!!! I thought this was a free country! I just don't see how they can tell me that I have to have a life changinh event. How about your ins plan is breaking my bank! That's a change. Disgusted!!!!!!!

Posted: 14 Apr 2011 02:57 Post Subject: Amazing stupidity...

My health insurance "plan" at work for my family of four will cost me, out of MY pay, $725 MONTHLY! Multiply that times 12 months, and I'm paying almost $9000 a year. All for the priveledge of getting $20 off my prescriptions. Wow. In other words, over a ten year period, I'm going to pay $90,000 to a health insurance company, for a roll of the dice that maybe, just maybe, somebody in my family will need that much healthcare.

And if nobody does? Well, too bad, so sad, I just got ripped off for 90 G's...

Nobody NEEDS health insurance. Seriously. It's just a way for insurance companies to make money hand over fist. Anybody ever looked at the P&L statements of health insurance companies?

Posted: 15 Apr 2011 11:23 Post Subject:

Well, sir . . .

Until January 1, 2014, not even the Republicans are forcing you to carry health insurance. So feel free to drop it anytime you choose. And be sure to let your wife know, and see how that goes for you.

Your attitude is pathetically juvenile and your argument falls flat in view of your statement that you are one of a family of four. That probably means a wife and two young children who are each far more likely than you to require healthcare services in the next 10 years. But who knows, you could develop a heart condition, have a stroke, fall victim to cancer, or require surgical removal of your appendix, gall bladder, a bowel obstruction, or . . . maybe you'll be unfortunate enough to be involved in a traffic collision with another driver who has chosen not to pay $2000 a year for auto insurance because "it's just a way for insurance companies to make money hand over fist," and have to figure out how you'd pay for your and your family's medical expenses without your own insurance as a result.

Don't like $725 per month coming out of your paycheck, here's a solution: quit your job. After all, that labor you perform for your employer is just making HIM money hand over fist -- you're only getting a small part of it. What's up with that? So show your employer who's boss, by quitting and making it harder for him to make a profit without you. There are only 24,000,000 unemployed persons, none of whom are qualified to do what you do -- which is probably nothing terribly skilled for such a wise thinker as you.

And while you're at it, cancel your homeowner's insurance, your auto insurance, and your life insurance, because ALL of those insurance companies are making even more money "hand over fist" than your health insurance company. Or have you failed to look at those P&L statements? Health insurance is far less profitable than those lines of insurance -- and, not to worry, Obamacare will probably put your health insurance company out of business, too.

Look, I'm not going to disagree with you that health (and almost all other) insurance companies operate profitably. But the reality is, you wouldn't want to do business with an insurance company that was not profitable. At least your wife and children wouldn't want you to.

Nobody NEEDS health insurance.



Seriously? Have you talked to your parents recently? If that's the way you think, you are sadly mistaken. There are millions of people in America who desperately NEED it and don't have it. Some of them comment about it here. That's the problem Obama and Congress really needed to deal with -- not "overhaul" a system that was effectively covering the expenses of 275,000,000+ people.

You don't like the idea that you might pay $90,000 in the coming 10 years. Fine. But would you SAVE or would you SPEND the $725 per month in the same 10 years if you weren't paying for health insurance. Based on your attitude expressed here, I think we all know what the answer is.

Do you make the same complaints about Anheuser-Busch and the profits it makes on the Budweiser you drink? Or about the $4+ per gallon you fork over to Exxon-Mobil, BP, Shell, or any of the other oil companies for your gasoline to get to work? They each make WAY MORE in profit than any health insurance company. And what about Microsoft, whose software you probably can't operate your computer without in order to post your drivel here. It makes more profit than most insurance companies, most any company.

You need to get a grip on the reality of life. 80% of your healthcare expenses will happen in the last five years of your life. You, like I, may have a relatively little need for the insurance today -- but what happens on those two or three occasions when you do?

I'm age 58 today. In the last 40 years, outside of work-related injuries (a handful, and the last one in the 1990s) that required medical care (paid for by Workers' Comp insurance), I have not been a big consumer of health care. A broken elbow in 1978, gall bladder surgery and 4 nights in the hospital in 1992, and a broken ankle in 2007 which required surgery, a night in the hospital, and 10 weeks of physical therapy in the aftermath. That's about it. Total bills, unadjusted for inflation, of about $60,000. I would not have had the ability to cover each of those events at the time with my own cash.

About 14 years between events. So I can figure that I'll be 72 the next time I need a doctor, right? I'd be an idiot to believe that.

So do I not care that my [or my wife's] employers and I have paid some more than that over the last 40 years? Of course I do. And I'm thankful that each of those three incidents were covered by insurance at the time. I'm just as concerned that the cost of healthcare in America is rising faster than inflation.

But we can all thank the POLITICIANS for most of it. They fail to reform tort litigation, keep adding benefits to Social Security and Medicare that we, as a society, cannot afford (nearly $120 TRILLION in unfunded liabilities in less than 70 years from now), and fail to control illegal immigration that causes our healthcare systems nationally to encumber about $30 BILLION in unnecessary and unrecoverable expenses. You and I, healthy individuals that we are, are paying for that, not for the purpose of making our insurance companies profitable.

Long before you deride the insurance companies for making a profit, friend, you should take a look at what Congress is doing with money neither you nor I, nor anyone else in America, has or will ever have. We have $14+ TRILLION in public debt, $4 TRILLION in current account deficits, are spending $300 BILLION more than we take in -- PER MONTH. And Obama and the Democrats think the 3,100,000 people in America who earn $250,000 per year or more should be paying for that.

They, like you, are fools. You are all in good company. Drink up!

Posted: 21 Apr 2011 06:49 Post Subject: GROUP VS INDIVIDUAL PLANS

INDIVIDUAL PLANS ARE A LIST 30 TO 40 PERSENT CHEAPER BECOUSE REQUIERE U/W GROUP PLAN DO NOT REQUIRE U/W, THAT IS THE ONLY REASON, GROUP PLANS ARE MORE EXPENSIVE, NOW IF YOU HAVE A SERIOUS PREEXISTING CONDITION, YOU SHOULD THINK ABOUT CANCELING YOUR POLICY AND ALSO MOST OF EMPLOYER PAY 50% OF YOUR PREMIUN, MAKE SURE THAT THE AGENT THAT YOU PICK HAVE AND IDEA ABOUT INSURANCE MOST OF THEM DO NOT HAVE ANY IDEA ABOUT INSURANCE.

Posted: 22 Apr 2011 04:53 Post Subject:

Aside from your poor spelling, your understanding of group and individual premiums is entirely backwards. Group insurance is less expensive because the insurance company underwrites ONE GROUP -- which could include 1,000 individuals -- instead of underwriting 1,000 individuals.

Funny that you would believe that agents mostly have no idea about insurance. If we don't, who does?

Mostly your advice is that of a fool who has no understanding of insurance at all. Pity the fool.

Posted: 01 Jun 2011 04:26 Post Subject: OmbrtHhSMcPdUXRs

Cancelling plan.. Slap-up :)

Posted: 03 Jun 2011 03:07 Post Subject: tCAQRoVlAcdqq

Cancelling plan.. Outstanding :)

Posted: 17 Jun 2011 07:56 Post Subject: healthiness

I wonder why it costs so much to go to the hospital? Probably because everyone is forced to hold on to expensive insurance in giant groups which lets hospitals and doctors charge pretty much whatever they want and know there is no way an insurance company is going to complain. They have too much paperwork as it is, and are easily rich enough to pay the absurd hospital fees.

Hooray Amerikka!

Posted: 18 Jun 2011 02:16 Post Subject:

Your post is evidence that you have no idea how health insurance works. Hospitals and doctors, like plumbers and electricians, have different fees for different services.

Unlike customers of plumbers and electricians who must pay whatever the tradesman charges, however, insurance companies typically pay only 20 to 30 cents on the dollar (or less) compared to the charges billed by hospitals and doctors. This is mostly the result of HMOs and PPOs and their contracted rates for procedures and treatments. In early 2009, my orthopedic surgeon told me that he was paid the handsome amount of $75 by Anthem Blue Cross of California for his 5-hours of time in an operating room saving the leg of a person who was injured in a traffic collision. $15 per hour? Is that what a surgeon with almost 30 years of experience is worth these days?

If you paid a large hospital bill it was because you had no insurance, and your bill reflects the fact that insurance companies (including Medicare) are NOT paying "absurd hospital fees" -- they are hardly paying anything at all. But if the hospitals and doctors don't bill everyone the same amounts, they will be in danger of being accused of overbilling insurance companies.

Posted: 17 Nov 2011 07:28 Post Subject: insurance

can you get out of the group policy anytime you want to?

Posted: 17 Nov 2011 08:37 Post Subject:

There is one sure way . . . quit your job.

Other than that, the answer is probably yes. Unless it is an employer's self-funded plan. In that case, the plan document will control when you can exit the plan. You might have to wait until the next open enrollment period to disenroll. Talk to the HR department or benefits person for the answer.

Posted: 28 Nov 2011 01:05 Post Subject:

Along with knowing the periods where you cannot cancel, only cancel your policy if you have arrangements to be covered with another healthcare insurance provider for the sake of your health costs, any lapse in coverage depending on how long the lapse was will charge you as well.

Posted: 28 Nov 2011 01:07 Post Subject:

"Group insurance is less expensive because the insurance company underwrites ONE GROUP -- which could include 1,000 individuals -- instead of underwriting 1,000 individuals.
"
MaxHerr is right, administrative costs are much cheaper for large groups - like employers and universities - than for the individual - that's why most insurance is employer sponsored in the U.S.

Posted: 29 Nov 2011 02:21 Post Subject:

"Group insurance is less expensive because the insurance company underwrites ONE GROUP -- which could include 1,000 individuals -- instead of underwriting 1,000 individuals.
"
MaxHerr is right, administrative costs are much cheaper for large groups - like employers and universities - than for the individual - that's why most insurance is employer sponsored in the U.S.



There is only one problem with this. Group insurance is usually more expensive than individual coverage.

It doesn't matter that the insurance company is just underwriting ONE GROUP. This is a group of unhealthy and healthy people. The healthy people are subsidizing the unhealthy people and the young people are subsidizing the older people.

When a healthy 27 year old gets individual coverage, they are in a pool with other healthy 27 year old adults. This is cheaper for them than the cost of group coverage.

Posted: 24 Dec 2011 05:07 Post Subject:

That will be a weird situation if a person is excluded from the plan, the extra burden will be on remaining beneficial.

Posted: 24 Dec 2011 05:07 Post Subject:

That will be a weird situation if a person is excluded from the plan, the extra burden will be on remaining beneficial.

Posted: 28 Dec 2011 03:40 Post Subject:

There is only one problem with this. Group insurance is usually more expensive than individual coverage.


This statement is generally incorrect when benefits are compared on an apples to apples basis. If a particular group policy's coverage is more expensive it is because the group policy provides more benefits not available in individual plans.

Posted: 21 Apr 2012 02:32 Post Subject: Health insurance

The company I work for is canceling our health insurance because come renewal the group policy is going to go up 40%. The owner of the company asked each of us to get our own individual policy's and he would pay a portion of the policy. I live in Virginia is this legal?

Posted: 21 Apr 2012 02:37 Post Subject: Health insurance

The company I work for is canceling our health insurance because come renewal the group policy is going to go up 40%. The owner of the company asked each of us to get our own individual policy's and he would pay a portion of the policy. I live in Virginia is this legal?

Posted: 21 Apr 2012 04:55 Post Subject:

Nothing currently compels an employer to provide health insurance to his employee . . . at least not yet. Nothing prevents an employer from paying part of your premium, but it will be counted as income to you, because the employer is not paying for a group benefit. If he does, he can only deduct it as part of the cost of doing business, not as insurance premiums. It will increase the amount he has to pay for each employee's payroll tax.

Posted: 17 May 2012 03:56 Post Subject: HEALTH INSURANCE

i'M A STAY AT HOME DAD WITH THE KIDS AND SELF-EMPLOYED. MY WIFE canceled MY INSURANE WITH ANY KID OF NOTICE. iS THIS LEGAL?

Posted: 25 May 2012 08:25 Post Subject: Group health insurance plan

Group insurance plans offer cheaper rates. Not only that, they also cover the preexisting medical conditions of the employees. In case of an individual policy, you might need to search extensively for the insurer offering coverage for pre-existing conditions.

However, one cannot customize the insurance policy according to his or her requirements when under a group plan. The deductible amount and coverage limits are fixed, which is definitely a limitation for the group insurance plans. Look at both sides of the coin, before you end up using it.

Posted: 25 May 2012 11:33 Post Subject: health insurance

BILLY

If your wife had been the policyholder, she can cancel the policy anytime she wants. Whether she informs you or not, is totally up to her.

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