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If you need to cancel your health insurance through Covered California, follow these simple steps.
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Introduction
Canceling your health insurance covered through Covered California can be done one of two ways depending on your situation. You can cancel your policy through the Covered California website or by calling their customer service line. If you are cancelling due to a life change, you will need to provide documentation to prove your eligibility for a special enrollment period. Cancelling outside of an open enrollment period will generally only be possible if you demonstrate a life change that qualifies you for a special enrollment period.
What is Covered California?
Covered California is a health insurance marketplace where Californians can shop for health plans and access financial assistance. Covered California is the only place where people can get financial help to lower the monthly cost of their health insurance. It is also the only place where Californians can get protection from high medical costs in the form of the federal Premium Tax Credit.
How to cancel your Health Insurance policy
It is possible to cancel your Health Insurance policy at any time. If you have a change in income or family size, you may qualify for a Special Enrollment Period which would allow you to enroll in a new plan. To cancel your current policy, please follow the steps below:
1) Log into your account on the Covered California website.
2) Click on the “My Profile” tab.
3) Under the “My Plans and Programs” section, click on the “Cancel My Plan” button.
4) You will be asked to confirm your cancellation. Once you confirm, your coverage will end at 11:59 PM on the last day of the current month.
Reasons to cancel your policy
There are many reasons why you might need or want to cancel your Health Insurance Covered California policy. Perhaps you’ve lost your job and no longer have income to pay for the premium, or maybe you’ve found another insurance policy that better meets your needs. Whatever the reason, cancelling your Covered California health insurance policy is a simple process.
If you are cancelling due to a qualifying life event, such as losing your job or getting married, you will need to contact Covered California and provide documentation of the event. You can then cancel your policy effective the date of the event. If you are cancelling for any other reason, you can do so online through your account on the Covered California website. Simply log in, go to your account settings, and select “Cancel Policy.” You will need to provide a reason for cancellation and confirm that you understand that you will no longer have health insurance coverage. Once you have submitted your request, your policy will be cancelled effective the date specified.
How to avoid cancellation fees
If you cancel your Health Insurance Covered California policy more than 60 days after your initial enrollment, you may be charged a cancellation fee. The fee is based on the number of months you were enrolled in the plan. You can avoid the fee by switching to a new plan before cancelling your old one.
Cancellation process
The cancellation process for Health Insurance Covered California is simple and straightforward. You can cancel your coverage online, by mail, or by phone.
If you cancel your coverage online, you will need to log in to your account and navigate to the “My Coverage” tab. From there, you will select the “Cancel Coverage” option. Once you have selected this option, you will be prompted to enter the date on which you would like your coverage to end.
If you cancel your coverage by mail, you will need to send a letter requesting cancellation to: Covered California, P.O. Box 980818, W Sacramento, CA 95798-0818. Be sure to include your full name, date of birth, mailing address, and the effective date of cancellation in your letter.
If you cancel your coverage by phone, you can reach customer service at (888) 861-8861.
What to do after you cancel your policy
Once you have cancelled your policy, you will need to take a few steps to ensure that you are no longer covered by your previous insurer. First, you will need to contact your doctor or hospital to cancel any upcoming appointments that you have scheduled. Next, you will need to contact your pharmacy to cancel any prescriptions that you have been receiving. Finally, you will need to contact your health insurance company to cancel your coverage completely.
How to reinstate your policy
If you had a lapse in coverage for more than 63 days and want to reinstate your old policy, you will need to contact your insurance company directly.
If you had a lapse in coverage of less than 63 days and want to reinstate your policy, you may do so through your online account. To reinstate your policy, log into your account and go to the “Coverage” page. From there, click on the “Reinstate Policy” link and follow the instructions. You will be required to pay all back premiums owing before your coverage can be reinstated.
FAQ’s
Q: How do I cancel my Health Insurance through Covered California?
A: You can cancel your coverage by logging into your online account and following the instructions, or by calling us at 1-800-300-1506. You will need to provide us with the date you would like your coverage to end, and your reason for cancelling.
If you are cancelling due to a change in circumstance (such as losing your job or getting married), you may be eligible for a Special Enrollment Period to enroll in a new plan.
Conclusion
If you need to cancel your health insurance coverage for any reason, you can do so by calling the customer service number for your insurance company. Be sure to have your policy number handy when you call. You will likely be asked to verify some personal information, such as your name and address, before your coverage can be canceled.
