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Can a health insurance company decline your request to cancel?

Can a health insurance company decline your request to cancel? Topic: Can a health insurance company decline your request to cancel?
July 18, 2019 / By Phrona
Question: Here's the situation: I've had health insurance for the past few years through Nationwide, which is/was provided by my employer. The cost is taken out of my check every week. I received a letter from my employer last December stating that I did not have to change anything in regards to the Affordable Health Care Act. Two months later, I received a letter from my insurance company saying that I have inadequate coverage and need to visit healthcare.gov to find different coverage. I found new coverage through Blue Cross Blue Shield through healthcare.gov (I was planning on going BCBS anyway). I asked the woman who I spoke with when I should cancel my previous insurance benefits. She replied "Wait a couple of weeks until you get all of your new information from BCBS". Here's where the issue comes in. When I contacted Nationwide (my previous insurance company) to cancel they said I had to fill out and send back a form. Basically, the form asked why I was cancelling. Go figure there was no option for them not having the correct benefits. Anyway, I sent that back and proof of my new policy (they wanted the effective date) Nationwide DENIED my request to cancel stating that I only had 30 days from the time my new coverage began to inform them. Even though their coverage doesn't meet the AHCA requirements, I cannot cancel until my company's open enrollment (December) Can they legally decline my cancellation request?
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Best Answers: Can a health insurance company decline your request to cancel?

Marybeth Marybeth | 3 days ago
Since you're enrolled through your job, it's probably under your employer's group policy. Check with your employer to see what restrictions apply. Nationwide suggested you check on fuller coverage but did they explain the time constraints of dropping Nationwide? Also on the form did you make note of your reason since it wasn't one of the choices? You might contact Nationwide again. Perhaps fully explaining the situation to someone of higher rank than the usual contact person could help. Contact your BCBS rep for possible help. Covered insurance deductions for our company plan. Once we dropped a person from our billing that ended the coverage. Never knew of an insurance company that continued coverage with no payment.
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Marybeth Originally Answered: As a business owner, is it cheaper to buy private health insurance or company health insurance for my family?
In order to buy a group plan through the employer, you have to insure a minimum of two or three (depends on your state) NON RELATED employees, on that group plan. Plus, you need to make that plan available to all employees in the same class. Call the guy who does the rest of your business insurance, and ask if they can do quotes for both group and individual family health insurance. I strongly suspect that the individual family plan will be "cheaper", but it's not at all cheap. Obama said, under his exchanges, he expected the average family plan should cost slightly over $20,000 a year. That's about what you'll pay, for a qualified plan.

Lana Lana
I suggest that you try this site where onel can get quotes from the best companies: http://INSUREFOREVERYBODY.INFO/index.htm... RE :Can a health insurance company decline your request to cancel? Here's the situation: I've had health insurance for the past few years through Nationwide, which is/was provided by my employer. The cost is taken out of my check every week. I received a letter from my employer last December stating that I did not have to change anything in regards to the Affordable Health Care Act. Two months later, I received a letter from my insurance company saying that I have inadequate coverage and need to visit healthcare.gov to find different coverage. I found new coverage through Blue Cross Blue Shield through healthcare.gov (I was planning on going BCBS anyway). I asked the woman who I spoke with when I should cancel my previous insurance benefits. She replied "Wait a couple of weeks until you get all of your new information from BCBS". Here's where the issue comes in. When I contacted Nationwide (my previous insurance company) to cancel they said I had to fill out and send back a form. Basically, the form asked why I was cancelling. Go figure there was no option for them not having the correct benefits. Anyway, I sent that back and proof of my new policy (they wanted the effective date) Nationwide DENIED my request to cancel stating that I only had 30 days from the time my new coverage began to inform them. Even though their coverage doesn't meet the AHCA requirements, I cannot cancel until my company's open enrollment (December) Can they legally decline my cancellation request? Follow 9 answers
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Jera Jera
If this is an employer plan, that is correct. You have 30 days. This is an IRS requirement. You missed it, so you now have this coverage until your next open enrollment period. Not being ACA compliant does not mean it's bad insurance. Typically it means that it won't cover a lot of stuff you don't need, like mandatory maternity coverage or 100% free birth control (you sound like a guy, so I don't think you will use this)
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Flo Flo
This is an IRS law. You can only cancel your enrollment in your employer's policy (not your policy, you're not the policyholder; your employer is) during open enrollment, or for a qualifying event - and you have to notify them within 30 days of the date of that qualifying event. It's not the insurance company being a meanie. This is a law.
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Daisy Daisy
They must decline your request. It is not their decision. Legally, they can only let you cancel at specific times, such as open enrollment and the 30 day period. Legally, they cannot accept you request now. The reason why not having the right benefits wasn't one of the options on the form is that you are not allowed to cancel for that reason (except at open enrollment).
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Daisy Originally Answered: How do i cancel my insurance with Health net?
Find the last bill you paid. On it somewhere there will be a Customer Service telephone number and address. WRITE A LETTER. State that your coverage with them was to be terminated as of xx/xx/2014 and their billing for coverage after that time needs to be reversed and future charges cancelled. Any time you have a contractual agreement you need to break or cancel you MUST put it in writing. Certified mail is advisable. Otherwise you get into a "They said/I said" and don't remember exactly when you called. Keep a copy of your letter in a file. Make sure it is acknowledged. Keep the file open for several years in case the company gets in a snit and reports the account to the credit reporting services. Good luck.

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