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: 30 Aug 2012 04:51 Post Subject: Cancel Insurance policy

if you cancel your insurance at the beginning of the next payment. Do you still have insurance for any time until you find new?

Posted: 31 Aug 2012 02:35 Post Subject:

if you cancel your insurance at the beginning of the next payment.

If you die today, can you plan your funeral tomorrow?

Posted: 06 Sep 2012 03:19 Post Subject: cancelled by your company you worked for

My sister in law had a massive stroke and the company she worked for terminated her and dropped her insurance.
She will never be able to return to work and now has no health insurance and is still under dr. care and therapy that is very costly. She is in a home and can not do anything for herself. Is this legal for them to cancel her from her policy?

Posted: 06 Sep 2012 03:12 Post Subject:

Is this legal for them to cancel her from her policy?

If she is no longer an employee, she has lost the privilege of group health insurance. She had the right to continue the group plan (at the full cost of the group plan) under the continuation privilege provided by COBRA. COBRA continuation must be elected within 60 days of a qualifying event (such as termination of employment).

Your sister-in-law is most likely eligible for assistance under the Medicaid program in her state. A large portion (possibly all) of her health care expenses may be paid for by Medicaid. She should apply for Medicaid assistance immediately. Depending on her assets and income, she may or may not be immediately eligible for coverage.

If she is confined to a long-term care facility of any kind, they can assist with the Medicaid application process (they may have already started it for her). Just ask them about it. Depending on her age, she may also be eligible for Social Security Disability benefits. After two years of SSDI benefits, she would become eligible for Medicare. If under age 65, she (or someone on her behalf) needs to apply for SSDI immediately, too.

Posted: 29 Jan 2013 02:45 Post Subject: Obamacare in bed with insurance companies

2014 We are all screwed

Posted: 29 Jan 2013 03:56 Post Subject:

What was your first clue?

Posted: 16 Jul 2013 08:53 Post Subject: About Health policy cancellation.

Card No.[deleted].Myname is K.NaveenReddy. policy activated my card without any intimation.Policy Loan No.[deleted]-.Whichisconverted for24 Months.I want to Cancelled thePolicy.Please do the Needfull.

K.Naveen Reddy.

Posted: 16 Jul 2013 01:35 Post Subject:

We are not your insurance company. You cannot cancel your insurance here. Call your insurance company directly.

Posted: 11 Aug 2013 06:10 Post Subject: cancelling employer health insurance

I began receiving (and paying for) Medicare Part B in July. My Home Depot health insurer (Aetna) will not allow me to cancel until open enrollment in November, so I am paying for BOTH! Can they refuse to allow me to cancel until then?

Posted: 11 Aug 2013 10:21 Post Subject:

Eligibility for Medicare is normally a terminating event for group insurance and is a qualifying event under COBRA for your dependents, and you should be able to terminate the group insurance for that reason. If for some reason the employer-sponsored plan forces you to remain covered until the next enrollment period (I don't know why they would, it leaves them as your primary insurer), then you should reject Medicare Part B until November when you have the option to leave the employer-sponsored plan.

You can reenroll in Medicare Part B without a premium penalty because you have creditable coverage. But you have to time your enrollment properly to avoid a coverage gap.

Do you have a copy of the "Summary Plan Description" (SPD) for your benefit plan? The explanation of coverage will be there. If you don't have a copy, your employer is required to provide you one on request. Be sure to make a written, dated demand for your copy of the SPD. There is a potential penalty of up to $110 per day for every day of delay in providing the document after 30 days. Be sure to send the request to the "Plan Administrator".

You can also contact the US Dept of Labor, Employee Benefits Security Administration. They have regional offices in many, but not all, states. Find the one closest to you and call them.

Posted: 01 Feb 2014 06:34 Post Subject:

How long after the paperwork is filed, does it take to cancel?

Posted: 07 Feb 2014 08:01 Post Subject:

Just stop paying your premiums, and you will be cancelled within about 20 days. No paperwork needed. But that won't necessarily make you eligible to enroll in another health plan.

Posted: 25 Feb 2015 07:33 Post Subject: 2 policies

I've been paying for our family dental plan through my employer, however, my husband's employer decided to add full coverage on dental as part of their benefit package at no cost to us. However, I cannot cancel our existing plan until next December. $840 down the drain on a policy that I cannot use. My husband's policy is a better policy as well. :evil:

Posted: 21 Apr 2015 02:00 Post Subject: fee for letting policy lapse?

signed up for health insurance through health,gov; cant afford 5000.00 dollar deductable; decided to let it lapse and pay penalty to IRS. Now being threatened with collection agency for premiums-never advised in writing or verbally of any such fees, is this normal?

Posted: 28 Apr 2015 01:35 Post Subject:

Yes, it has become a common tactic. You should have called the insurance company to cancel instead of just not paying the premium. It might not be enforceable in your state.

Posted: 25 Aug 2015 08:46 Post Subject: Find New Insurance First

While you can cancel health insurance at anytime, I would wait until you've found a new health insurance company. If you're interested in the affordable care act, for example, you can only join at the beginning of the year. Other companies may put a premium on joining in June/July as opposed to January. Before you drop your insurance, you should research the application windows so you're never without coverage. If something goes wrong and you're not covered, a single trip to the hospital could bankrupt you.

Posted: 28 Aug 2015 08:58 Post Subject:

If you're interested in the affordable care act, for example, you can only join at the beginning of the year.

This is overly broad and somewhat incorrect.

Anyone may enroll in health insurance -- on or off the exchange -- during the Annual Open Enrollment Period. For 2016, Open Enrollment begins November 1, and ends January 31. After this period closes, a person can still enroll if they have a life change event, but must do so within 60 days.

A person is only eligible for Premium Tax Credits to help pay some of the premium if they apply for insurance through their state/federal health benefits exchange. If a person is offered health insurance through their employer (or their spouse's employer), they are generally ineligible for Premium Tax Credits, but may still purchase health insurance through the exchange or elsewhere.

For more information, contact a local agent who markets health insurance.

Posted: 07 Oct 2015 03:38 Post Subject: Medical Insurnce

I have an employee who signed up for medical benefits and know he wants to cancel the benefits to go on his wifes plan. Legally how many days does he have to cancel the policy?

Posted: 09 Dec 2015 03:06 Post Subject:

Talk to your agent.

Posted: 15 Apr 2018 10:49 Post Subject:

:twisted: :x my insurance sucks threw my work, I pay a reason aminal amount out of each paycheck for insurance I can not use. My deductible is 5000.00 I have to pay everything out of pocket up to 5000.00. then if I do go to the doctor the not pay for anything, I owe the insurance company now for going to my doctor.

Posted: 10 Aug 2018 01:50 Post Subject: Cancelled health insurance

Sir my previous company only apply to tawuniya health insurance broker and my present company apply also tawuniya health insurance to other broker now need to cancelled from previous broker because without cancelled can not make the new health card.more than one month previous broker or previous company did not cancelled solution please

Posted: 15 Sep 2018 11:59 Post Subject:

I do not think it is a good idea to cancel your health insurance. If you want to cancel it, then you do not have to enroll again in the next open enrolment period. However, what would you do in the case of any unforeseen circumstances? You may regret your decision later. Maybe consider a short-term plan meanwhile so you can still have some coverage (though it won't cover pre-existing conditions)!

Posted: 19 Sep 2018 08:38 Post Subject:

You can cancel your health insurance plan at any time, but if you cancel your policy outside of open enrollment and before securing new coverage, you won't be able to enroll in a new healthcare plan until the next open enrollment period rolls around.
Contact Insurance Professionals of Arizona for any queries on 480-981-6338.

Posted: 19 Sep 2018 08:38 Post Subject:

You can cancel your health insurance plan at any time, but if you cancel your policy outside of open enrollment and before securing new coverage, you won't be able to enroll in a new healthcare plan until the next open enrollment period rolls around.
Contact Insurance Professionals of Arizona for any queries on 480-981-6338.

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