How To Easily Cancel Your Cigna Dental Insurance Policy
Dental insurance can provide great savings on dental care costs. Many people get dental insurance through their employer or sign up for an individual or family plan from providers like Cigna. But there may come a time when you decide to switch plans or no longer want or need coverage through a specific insurer like Cigna. So how do you actually go about cancelling your Cigna dental insurance?
The process to cancel your Cigna dental insurance plan depends primarily on whether you are billed individually or as part of a group billing plan. There are a few simple steps to take, usually either contacting Cigna’s customer service line or sending a cancellation letter. There may also be certain cancellation fees or refunds to consider as well.
This comprehensive guide will outline exactly how to cancel Cigna dental insurance in various situations. We’ll cover:
- Key details on Cigna dental insurance plans
- Reasons you may want to cancel your Cigna dental insurance
- How to cancel if billed individually
- Steps for group billing plan members
- Cancellation fees and refund policies
- Terminating an associated Cigna provider contract
- Changing Cigna autopay settings
- Frequently asked questions
Let’s start by getting an overview of Cigna dental insurance plans.
Understanding Cigna Dental Insurance Plans
Cigna is a major health services company that offers various medical and dental insurance options for individuals and families, as well as group plans through many employers.
Cigna dental plans can cover services like cleanings, x-rays, exams, fillings, crowns, dentures and more. Coverage levels and costs vary among the different tiers of plans available. Some plans focus more on basic preventative care, while others include a wider range of comprehensive dental services.
There are usually in-network dentists that plan members can see for discounted rates. Most Cigna dental plans utilize coinsurance levels where the member pays a certain percentage of covered services, often after meeting a yearly deductible amount.
When You May Want To Cancel Your Cigna Dental Insurance?
There are a variety of reasons why someone with Cigna dental insurance may want to cancel their current plan:
- You’ve switched jobs and will now be covered under a different dental plan.
- You’ve enrolled in a Medicare Advantage or Medigap policy with dental benefits.
- You’ve found an individual dental insurance plan that better suits your coverage needs and budget.
- You or your spouse have gained access to VA dental benefits.
- Affordability issues, struggling to pay rising premium costs.
- Deciding not to continue dental insurance after a life change like retirement or divorce.
- You prefer using a dentist office that is not in Cigna’s preferred provider network.
Thinking of making a change from your current Cigna policy? Understanding your cancellation options is the first step!
Cancelling Cigna Dental Insurance If Billed Individually
If you currently pay your monthly or quarterly Cigna dental insurance premium directly, either by automatic credit card payments or sending in premium statements, then you are likely enrolled as an individual member that is billed directly.
Cancelling your Cigna dental insurance if on direct individual billing is a relatively straightforward process:
Call Cigna Customer Service:
- Call 1 (800) 244-6224 to speak with a Cigna representative
- Request cancellation of your Cigna dental insurance plan
- Provide personal details like name, plan number, billing details
Send a Cancellation Letter:
As an alternative, you can also cancel by writing and sending a letter including:
- Your name, policy number and other personal information
- Clear request to cancel your Cigna dental insurance
- Letter sent to:
Cigna Dental
8100 S.W. 10th Street, Suite 2000
Plantation, FL 33324
Attn: Operations
Be sure the name/address on your Cigna account matches the letter for quick processing. Retain a copy for your records as well!
Cancelling If Part Of Group Billing Plan
Some Cigna dental plan members are enrolled through group coverage, usually as part of an employee benefits package at their workplace.
If this applies, monthly premiums are paid by automatic deduction from payroll. Cancelling requires speaking to your employer’s HR team or benefits administrator.
Follow these steps to cancel group coverage:
- Speak to your manager and/or direct supervisor to let them know you wish to end dental benefits from Cigna. They can direct you on next actions.
- Reach out to your company’s HR or benefits team. Explain that you want to terminate your Cigna group dental coverage.
- Fill out any forms, often termed “notice of change” paperwork.
- Confirm when coverage end date will be based on company policy timelines. Typically takes 30-90 days to take effect.
- Consider applicable benefits open enrollment periods which limit cancellation options.
Be sure to ask HR to verify when coverage will officially terminate in the Cigna system.
Understanding Cancellation Fees And Refunds
What about cancellation or termination fees? Or refunds for premiums already paid?
Let’s cover some key questions on what costs may be involved when canceling a Cigna dental insurance plan:
Are there cancellation fees?
Cigna cancellation fees depend heavily on your specific contract terms and conditions. Some plans do not have any cancellation fees. Others may charge a processing fee that is often around $20 or so.
Can I get a refund if I cancel?
Refund policies also are determined by your agreement details. In some cases, members are eligible for a pro-rated refund for unused premiums already paid to Cigna. Quickly canceling soon after initial enrollment, like within 30 days, usually results in larger refund totals.
Applicable refunds are typically provided only if there are no pending claims or outstanding costs owed on your plan account. Reimbursements would include any initial enrollment fees as well as ongoing premium installments charged to that point.
When and how are refunds issued?
Refund processing and delivery can take 4-6 weeks by mailed check or direct deposit depending on original payment method.
What if my plan auto-renewed?
Even if your plan auto-renews for another policy term, you still retain cancellation and refund privileges outlined in your dental insurance agreement.
Be sure to review all contractual paperwork or speak directly with Cigna customer service when considering cancellation to clarify fees and any cancellation reimbursement benefits. Doing so eliminates confusion on what costs may be involved as you terminate enrollment.
How To Cancel An Associated Cigna Provider Contract
Some dentists as well as dental clinics enter into Cigna provider contracts to join dental care provider networks and offer discounted treatment rates to plan members.
But what if a dentist or clinic owner wants to terminate their Cigna provider partnership?
The process involves directly contacting Cigna Dental via email to request contract termination:
- Send email to: [email protected]
- Specify desire to cancel provider contract with Cigna network
- Include pertinent clinic/practice details in the message
- Takes approximately 15 days to review and formally terminate
It’s advised that dentists check existing patient levels and in-progress treatment plans before severing ties with Cigna’s provider network. Also ensure termination will not conflict with any signed agreement terms and provisions.
Cancelling Cigna Autopay Payments
Many dental plan policyholders also enroll in Cigna autopay programs for automatic premium debits from a registered checking account or credit/debit card.
If you have Cigna autopay payments set up but have decided to cancel coverage, you also need to terminate the recurring billing authorization through your account portal:
- Go to Cigna’s website and log in to manage your account
- Access the “Manage My Profile” page
- Select the “Reimbursement Preferences” section
- Adjust the autopay settings to disabled
- Payment deductions will be stopped
This quick online update prevents unwanted automated premium charges going forward after canceling your insurance policy.
Frequently Asked Questions
Let’s review responses to some common questions on canceling Cigna dental plans:
Can I cancel my Cigna dental insurance online?
Unfortunately there is currently no online cancellation option. You need to call the dedicated phone line or mail a physical letter per above steps.
What is the Cigna customer service number to cancel?
You can call 1 (800) 997-1654 and speak to a representative to cancel your Cigna dental insurance policy.
How long does it take to cancel Cigna dental insurance?
For individual plans, calling the toll-free line results in immediate cancellation. Sending a letter takes 7-10 business days to fully process once received. Group plans require 30-60 days per company policy.
Can I get a refund if I cancel my Cigna dental insurance?
Refund eligibility depends on your contract terms. Some plans offer pro-rated premium reimbursement when cancelling within 30 days of your initial enrollment period.
Does my dentist office have to notify Cigna if I switch plans?
No, it is not the responsibility of your dentist to inform Cigna. As the policyholder, you need to contact Cigna directly to terminate coverage when switching insurance providers or plans.
Final Thoughts On Cancelling Cigna Dental Insurance
Terminating existing Cigna dental benefits can be easily accomplished by following a few key steps:
- Call 1 (800) 997-1654 or write Cigna to cancel individual billing plans
- Speak with employer HR staff to cancel group billing plans
- Clarify contract terms on cancellation fees and potential premium refunds
- Update Cigna account to disable autopay billing if enabled
- Expect 15 days for processing provider contract terminations
Knowing exactly how to proceed when the time comes provides confidence and simplicity when making changes to your Cigna dental insurance coverage!
